Question about T&C

Good evening everyone! I just got my contract from T&C faxed to me today, and I will be signing it and faxing it back to them, along with my retainer fee, ASAP. The T&C consultant I talked to was very kind, knowledgable about pdls (particularily storefront pdls, which is my headache right now - so T&C does deal with storefront pdls, thank the Lord!), and she suggested that I close my bank account ASAP because once she starts calling the pdl companies and tell them that my accounts with them have been turned over to T&C for consolidating, she said the pdl companies will try to run my checks through, and that will mess up my banking account and cause me to have NSF fees with my bank. I'm from Ohio, and as many of you probably know, Ohio has strict laws about bouncing checks. Has any Ohioans here used T&C and closed their bank accounts, and if so, did you have any unfavorable results with the storefront pdl lenders because of that? My T&C consultant said I have nothing to worry about, but I just want to make doubly sure. I don't want any surprises, you know? lol. Any insight and advice would be greatly appreciated.

Also, I have another question. Does the pdl companies return your checks to you when you go into debt consolidation, or do you get your checks back after you've finished the debt consolidation program/paying the pdl companies off? I'm curious as to what will happen to my checks, because I don't want the pdl companies sending them to the bank in the future trying to collect payments I've paid in full. Thanks in advance for everyone's help, insight, and advice! :D