I took out an online payday loan a few months ago that has gone into collections. I made payment arrangements to pay it back. They took one payment of $83 already and they were supposed to take another $83 on the 16th. Instead they took $32 on the 16th and another $32 on the 18th. I do not deny that I owe this money. Can they legally serve me with an arrest warrant or a court summons?