Should I opt out of

A debt incurred in contemplation of a bankruptcy will not be discharged. In other words, if you know you're going bankrupt and you obtain credit knowing that you intend to BK on it, the judge will still make you pay it back.

Okay I don't mind paying it back, just not all at once. How do I stop them from debiting my account for a combined total of 2100.00 on May 1st? Would filing for the bk on them at least make them go into a repayment plan with me?

Once a bankruptcy is already filed, you have to wait for six years before you can file again. So, you have no option unless the case is dismissed.

Is there anyway, you can take help of your attorney and modify the existing plan and include the current lenders? I am not sure about it.

Yes, I can ammend my bk filing to include the payday loans. Whether or not they will be dischsrged I don't know.

But, will it buy me some time, and stop them from debiting my account on the first of May. And then maybe I can do a repayment plan with them?

Consult with your attorney about sending the case number to the lender, if it can stop the debits.

What do you think about closing my checking account, so I can breathe! This has really taken a toll on me physically and emotionally. My family doesn't know about the payday loan crisis I'm in(including my husband)and everyone is getting frustrated and a little pissy with me, because of the way I'm acting.