I am in Michigan. I went to one of those paycheck advances last year and borrowed $1000 and wrote 2 checks for a total of $1300 to pay this back. Every 2 weeks I went into the place and just paid the interest on this which was $240. After several months of just paying the interest, I decided I could no longer pay $480 every month. I told the owner that I cannot pay anymore and I offered to just pay the $1000 originally borrowed. He said NO. So now, 5 months later I get served court papers and now I owe, under Michigan law, $4832.12. I called the lawyer in charge of the case but can only work out a plan to pay back 500 every 2 weeks until the 4832.12 is paid in full. Failure to pay, the lawyer said he can take my car, house or whatever.
What can I do about this besides just pay the total off 2 weeks at a time? Would getting legal advice make any difference? PLEASE HELP>

