A private attorney will work with you on payments. Most will require 50% to start your case and then the balance within 30-60 days. All prices are negotiable, so speak with a few attorneys and chose someone you feel comfortable with. As far as the likelihood of having to do any jail time, it all depends on how the charges are filed (misdemeanor or felony), your prior record, prior punishments, and the victim ( store) recommendation in this case. The criminal statute allows this crime to be punished by jail time. Since this is your 3rd offense, it is possible. As I said, only after an attorney looks over the facts of the case and speaks with the prosecutor, will they know if this case needs to go to trial or it can be resolved by a plea, avoiding jail.
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