<prompt> Human: I borrowed out a payday loan and was unable to pay it back. I know it was stupid to do at the time, but I was in desperate need.Then a sheriff came here to see me and served me with papers! My loan was for 500 but now they are demanding 1350. I have been asking them to communicate with me through mail and they have since been texting and calling me nonstop. I was even offered a settlement, which I had to wait for next payday for.Do I show up to court? Please give me advice, I cannot afford 1350 right now.EDIT: Another question - Do you think if I pay the loan in full 500 but not the interest, and come to court with the receipt, that would help my case??EDIT 2: I just spoke to the payday loan lender, they said they will stop all legal action immediately if I make a payment??? Can they do that? Or is that a trick to get me to not show up to court and receive a payment anyway???  <response>: Definitely show up for court. If you dont, theyll get a default judgment on you. 