Ok, I have a number of payday loans I defaulted on, due to not being about to re-borrow on a large payday loan. I spoke with all agencies on my due date to let them know the ach/check would not clear and made arrangements with those willing to allow less than the complete amount.
CheckSmart is calling me 3+ times a day. Sometimes it's their predictive dialer "All agents are busy, please hold" and sometimes it hangs up on me and they continue to call. I tell them I don't have, nor will have the full amount, but they call my mobile all day long.