I have a payday loan ? I need advice. HELP? Serious answers please.?

Ok I took a payday loan with Ace Cash Express. I owe them 616.28. I got behind in bills so I could not re pay the loan I had with them. So , I got a call today that now it's in "their collection office" and needs to be paid immediately. I tried telling them that I can make payments , but he kept... show more Ok I took a payday loan with Ace Cash Express. I owe them 616.28. I got behind in bills so I could not re pay the loan I had with them. So , I got a call today that now it's in "their collection office" and needs to be paid immediately. I tried telling them that I can make payments , but he kept telling me that there is no option to make payments. It has to be paid in full. He did tell me that in the state of Texas and the laws with bad checks. Well he also advice me to go pay the loan , then call him with a transactions number. then i can get another loan to help me with needed bills. hmmmm i then said to him you want me to pay this loan off , then take out another one to help me with bills. what do i do ? can i go to jail for this? i will be honest he did scare me.
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