Drw1964,
Being unable to pay through your checking account at the present situation, changing the account number will the perfect move.
After the accounts are closed, the lenders will contact you to recover the money from you. Before they do so, it is better to contact them in the first place and inform the situation. Also, insist on a payment plan so that you can pay in smaller amount towards these accounts. If they are assured of your interest in making the payment, they will forward you some payment arrangements for you.
Make sure that after they have offered the payment plan to you, don't default in those. Otherwise, you will not get these benefits anymore in the future and payment process might become even tougher.
Many payday loan companies work on the payment plans set by you. You need to approach them first and express your willingness to pay the debt.