I have PDLs with 3 companies--Ameriloan, One Click Cash, and Discount Advances for a total including interest of $2000. I live in Pennsylvania. The payments were being made via ACH transfer from my checking but effective with October's payments none of these companies were permitted to take the payment via ACH. I have not paid them. They have called and left very nice messages that they were willing to work with me but I have not called them back. I call it the ostrich syndrome-bury your head and it will go away. Why are they not permitted to use ACH?