Last week I was stopped for shoplifting at Shopko.The police were called and I was given a citation for violating an ordinance. In addition to this $515.50 citation I was told I will be getting a civil demand letter. That next day I called the Shopko Loss and Prevention people and they said my total for the civil demand would be about $490! The amount that I stole added up to $50. They told me that if I payed over the phone with a debit card that would lower it to $430. I didn't pay then because I do not have that kind of money and I felt like I was being scammed. Now I'm wondering what will happen once the letter comes and I still don't pay. Will they take me to court? Will it affect my credit? Please help! I am 19 years old if that matters.