CheckSmart Loan Ohio

I just turned 21 years old so obviously I'm not very experienced in this field lol. I just recently stopped payment on my check for my loan with CheckSmart. My original amount was $800, I know paying them back I would owe around $943. Now I have a late fee and return check fee. I was trying to set up arrangements with them, but as everyone here knows, CheckSmart isn't willing to take anything short of payment in full or 2 half payments, neither of which I can do at the moment. I want to get this taken care of when I get my taxes filed, but I am STILL waiting on a W-2 from on previous employer. They told me on February 11th my loan will go to a 3rd party agency. My plan was to wait til then and set up a settlement offer with the new agency. But my contract states they can debit ACH my bank account 4 times after loan is so long past due. I definitely can't afford to let that happen either, being as I only get paid twice a month and it's highly unlikely they'll wait til those days to debit my account. So basically, I need advice on what I should do exactly.