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I stupidly took out an installment loan with check n go. I, unfortunately, cannot make payments due to job loss. I called the collections department who let me break up my recent past due amount of $314 into 3 payments. However, the next payment of $299 is due on Feb 9th and it was going to bounce. I have revoked ACH as I do not want a return fee with my bank. From what I have read on here, it will default due to me revoking ACH. The collections department said it will take some time to default. Is there anything I can do to speed up the process to be able to make a payment plan for the full amount to avoid further interest attributed to the account?

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