payday loans through a store in Iowa

Go to CFSA.net and see if the lender is a member of that organization. If so, tell the lender that you want to be put on a CFSA payment plan.

good suggestion frog...

Its called EPP and you would need to request it BEFORE you default. It will allow you to repay in 4 installments.

Also , i think all interest and fees are stopped. Correct me if I am wrong!!!!

You will find the Payday loan laws for Iowa here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

redshoes, your state pdl law does not specify "criminal action", so do be careful. My suggestion? As the other members stated above, see if your storefronts are members of the CFSA. If they are, you can invoke the EPP (as they stated) and make 4 equal payments coinciding with your paydates to pay these loans off. And, as kash stated, no more interest is added and all collection efforts stop if you stick to your payment plan. You need to contact each storefront BEFORE your loans are due. Ask them if they are members of the CFSA (or look it up). If they are, see if you can invoke the EPP to pay them off. If they are not members, see if you can set up another payment option. Do not close your bank account yet though. Since it does not specify "criminal action" and the storefronts do have an actual check from you, I'd hate to see anything bad happen.

I checked with my bank today and they advice me to close my account and make payment plans, one would think they would be able to tell me if criminal action would be taken. know i am not really sure what to do they are due tommorow

to do the EPP program you have to go into the storefront before the loan is due. Have you talked to them about making payments? Cannr is right you might be prosecuted for writing a bad check since it is a paper check and these companies are legal.