I'm trying not to just walk away from my 7 PDLs, but I need some flexibility, maybe better terms. I'm in Texas, and they actually keep pissing me off more and more. I just sent revocation letters (I had informally told them I wouldn't allow access to any bank account), I had already opened a new account and moved my direct deposits over there. My old bank, BofA, won't let me close the old account, though it is hundreds of dollars in the hole due to NSFs. Anyhow, ACE told me they cancel my ACH withdrawals, but that automatically puts me in collections.