Mountain loan center I borrowed 1200 from them after a while I wasn't able to keep paying I tried asking them if we can settle for a lower amount they wouldn't work with me I tried having a debt management company work with them but they refuse to work with me now they are saying I owe them 5700 how is that possible I'm now waiting for them to take me to court they are so mean Salt lake city

 I borrowed $1200 from them the loan was for my son he actually stopped paying for it I can't pay it all at once myself I'm not saying that I'm not going to pay it but they refuse to work with me the only calls I get from them is nasty threatening ones they say I owe 5700 now I tried having a debt management company work with them and they wouldn't now they are saying they are going to garnish my checks I'm want to pay for the loan I just can't pay it all at once what should I do