need bank account advice

I will be honest with you, if I had only one illegal lender there is no way I would leave my account opened, I will tell you why. Illegal lenders share information with others, so, while you may think your account is safe if you just block ACH's, it isn't, because these illegal lenders have so many different names that all they need to do is change their name to debit it again, and again and again.

I will return shortly with more info.

All of the lenders below are ILLEGAL. CLICK HERE to find out how to deal with illegal lenders.

READ ABOUT INTERNET PAYDAY LOAN SCAMS!

MyCashNow
CashJar
BigSkyCash

All the ones below are legal and usually offer an extended payment plan, if I were you, I would close my account, make payment arrangements with the ones below to pay them via the mail with money orders. Do not give your new account information to ANY online lender. Focus on the legal lenders first and foremost because they can sue you, the illegal ones can not sue you (they will threaten to but they can't). You have already paid off BigSkyCash, all they are entitled to is the principal amount, they are not entitled to interest and fees because Illinois requires they be licensed by your state, since they don't have the proper licensing, they can't collect fees or interest. Read the link I gave you on how to deal with illegal lenders.

Cashnet USA
CheckNgo
Affinity
Paydayone

Thanks so much for your help. Should I close my account BEFORE I contact the legal lenders? And has anyone dealt with the illegal ones? How hard is it to get them to be rational about IL laws? I know they're going to say I signed their documents from their state (or country) and should abide by them.

I would close your bank account immediately. You can make payment arrangements with the legal ones easy enough after the account is closed. Do not give them electronic access to the new account. Pay with a cashiers check, bank certified check or money order. Also, you have no legal obligation to pay principal or interest on any of the illegal loans and they have no legal means to collect. Finally, you might consider changing your phone numbers or the illegal ones will call a lot with a bunch of threats.

Thanks - I'll definitely take your advice to heart. The only thing holding me back is the illegal lenders contacting my employer - I work in law enforcement and they are somewhat aware of my financial situation, but I'm still embarrassed nonetheless.

Your original creditors are not bound by the FDCPA laws. The original creditor may contact your employer to verify your employment. However, as your creditors are illegal lenders, they may not be able to contact your employer. You can have a word with a local attorney and take his opinion in this matter.

You don't need to worry about your financial situation. None can harm you if they don't possess the license to operate in your state. But at the same time don't share your electronic account access with anyone. Once they have it, they're surely gonna play with your hard earned money!