jonna, you're doing fine so far, okay? The illegal pdls that you're going to send the letter to, wait until you know your bank account is totally closed/blocked and nothing can hit it any longer. Once you are sure the bank account is safe, then send the letters. In the meantime, you can start typing them up with all the information needed in them.That way, they will be ready to go on Friday or Saturday. Wait until Monday to call your legal pdls. You'll know your bank account is safe, and you can tell them THE BANK closed your account. Tell them the bank closed it, okay? Then tell them you will need an alternative way to make payments to them. They will have to work with you because they have no other way to get payment since they can't debit any more. Deny having a bank account. You don't want them to debit, okay? You can pay another way. Work out a payment plan with them that you can honestly live with. You can tell them your situation, if you wish. Some will work with you, others will not. It just depends on the pdl. But try to stand strong. You can put your illegal ones on the "backburner" for just a bit if your account is safe from them. Concentrate on the legal ones first, since they are legal. But wait until you know for sure that your bank account is closed. If you have any questions, just post!