Need Help PDLs

Here is the background of my story:

I have 5 pdl's. I got one originally, and to afford to pay my bills and the interest on this original loan, I got another, and then to pay my bills and the interest on both of these pdl's I got another, etc.

I have just been informed that I will be laid-off at the beginning of the year. I am already one month behind on my house payment and car payment because I'm trying to keep up with these pdl's. However, I need to spend my remaining cash on getting caught up on my house and car.

I plan on doing a stop payment on the pdl checks at my bank.

State I live in:
Texas

Loans:
PayDay Advance (storefront): original $1.375.00 (payments so far - 2 for $290.00 each)

Cash Store (storefront): original $1,575.00 (payments so far - 2 for $350.00 each)

Advance America (storefront): original $1,000.00 (no payments so far)

Check N Go (storefront): original $1,000.00 (payments so far - 5 for $275.00 each)

Pay Day One (online): original $1,000.00 (1 payment so far - $325.00)

I realize I am going to default on the loans because I can not afford them anymore. My questions are: One I put a stop payment on the checks and withdraw, can the pdl companies re-run the checks one another date? Will I have to continue to run stop-check each month? Also, I want to contact these companies in advance to notify them of my situation so that I can negotiate a payment arrangement in case I get another job, is this a good idea or not?

Thank you in advance for taking time to answer my questions and providing me with advice.