ACE Cash Express just ruined my day!

Ok, I have quite a few PDLs that I stopped paying in April because I was going on maternity leave with no pay and just knew there was no way I was going to be able to keep up all these loans while I was out. Of course, I wishfully kept thinking I could have them all paid back by the time I had my baby, but as everyone here knows, that was just about impossible. So anyways, I had contact T & C in April, but then I didn't want to sign up just then because I was afraid while on maternity leave I wouldn't be able to pay them. Well then they told me since I couldn't pay the retainer fee and start the program that I would have to wait 90 days to reapply. So in the meantime, I've been harassed daily by 50 million phone calls and I used to answer them and talk to the places and try to explain my situation, but it didn't really seem to help. It would stop the calls for a few days and then they would start again. And being home with a 2 year old and a newborn all day I honestly didn't want to deal with the stupid PDL places anymore. So now I am back at work and trying to get caught up on everything (rent, utilities, credit cards, car, etc.) (my husband only works part time as he watches our kids and while I was home, he was able to get more hours, but still not enough to pay everything we normally pay). Sorry, this is so long, but now today I had ACE Cash Express call me at work and I tried to tell them that I would like to start paying them something but not until next month. The guy was a total jerk and kept saying that I should know the check-fraud laws (because I work at an attorney's office) and I told him, yes, I know the laws and you can't do anything to me about a bad check. For one, I never technically wrote a check for the PDL from them. I gave the clerk a blank check and signed an agreement. I told him I know I owe the money and that I would like to make some arrangements and he just kept throwing the bad-check laws at me. We went round and round until he made me so mad I hung up on him. So anyways, I'm just wondering, has anyone else dealt with ACE (a store front lender) and if so, were you ever able to make arrangements and if not, what happened? I know they cannot get me for a bad check. I'm in Ohio also, if that helps. Also, does anyone know if when I do finally sign up with T & C will ACE work with them. Any feedback will be appreciated.