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If I was scammed on the internet and the result is that I owe my bank money, should I just pay it or hire an attorney?

Question Details:

I am 17 years old and over the internet I was scammed out of $2400. I sent them money from a check they sent me after they received the money.I was informed the check was a fake check and the company withdrew the amount and I now owe my bank $2400. Being that I'm 17 I don't have that much money and now collections have me about 15 days to make a payment plan or court will happen. Will a judge make me pay less if I fight it without a lawyer? Should I just pay it?

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