I owed $260. It was all by phone, no internet. They told me I'd have to pay $60, every 2 weeks until it covered the $260. When I was making my last payment I called and they still said I owed $260. Now they started saying something else that I was just paying interest and nothing was going towards the loan. Thats not right! And I stopped paying because they are ripping me off, but now they saying they taking me to court for fruad charges. I'm scared. What can I really do?