Minnesota state debt collection laws

Iam trying to make arrangements with a law firm to pay off a check that had bounced. They say we have 48 hours to pay in full before it goes to court. I was willing and able to give them a debit card and have more than half of the debt paid within the 48 hours and the remainder 2 weeks later. They say this is not possible. We can't afford the entire amount immediately but also can't afford to miss work for court and have even more fees added. Is there any options?