Payday loan company says suing my friend?Any advice are they for real?

My best friend took out a payday loan at ace cash express and was paying on it but had to stop as she could not afford it anymore well they called her the other day and said if she did not return the phone call they would send over a process server to serve her papers for court, they said she is charged with... show more My best friend took out a payday loan at ace cash express and was paying on it but had to stop as she could not afford it anymore well they called her the other day and said if she did not return the phone call they would send over a process server to serve her papers for court, they said she is charged with fraud..she called them back and they want money now she asked could she start paying next month and they said no if she does not pay someone would be over in the next 24 hours??We live in texas does anyone know when they serve you do they already have the court day as she needs to take off from work is this does happen..thanks
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