I am in Arizona. I got an online loan for $700 from Plain Green Loans, LLC that I think is an installment loan, not a "payday" loan. From a previous illegal payday loan, my bank account has been closed. I still cannot afford the original payment schedule that was set up with Plain Green Loans. Is there a way for me to get out of this loan or make payments that I CAN afford and avoid any wage garnishment or civil suit?