I took out a payday cash advance and alot happened and could not pay it back and they cashed my check. I did not have the money in the bank and the company sent me a letter stating if I could not come up with the money within 3 days they were taking a lien out on me. I called to set up payment plan and they would not except. They wanted half or all of it or they would garnish my wages. I owe them 600.00 dollars. I told them I could give them $200.00 now and at least $100.00 every two weeks if not more until paid off and they said no they were going to garnish. I told them by the time this went through the courts I could have their money to them and they refused. Would I have to appear in court before they started the wage garnishment or can they just start garnishing my wages without me going to court? I would love to go to court with the money and tell the judge that I tried to pay them and work out something but they would not listen. I live in Ohio.