payday loan mess

If you want to close your existing account, then open the new account first (before the damage is done by the Pay Day NSF overdrawing the old one.

IF you are going to default , be ready to deal with the PDL people, and start thinking how you will take care of these problems. Read through the forums, see if any of your lenders are discussed here, and see what others have said. some may be willing to work with you some may not. Does your husband have short or long term disability from his employer or union (if he is in a union? if so, file for it immediately.

Check your state usury laws relating to Pay Day loans to see what they can and cannot do. Some state (maybe most? not sure) have laws which prohibit Pay day lenders from seeking criminal charges for defaulted payday loans. Pollyandsay, payday loan avenger and kavala3316 have done A LOT of research in this area, look for some of their posts to see if they have found any information which has been useful.