K. first off, yes ive been reading the threads to other payday loan woe's. . its horrible and we're all stuck in a rut. I only had ONE for MONTHS and i was OKAY with it. Then it started getting bad, my bf got arrested, had to bail him out, in doing so, took out 3 new loans from 3 different places. unable to pay any back. One took one ACH thru my bank account so that one's cleared. but that was an old one my original one. Another one, ach'd thru my OTHER bank account. so that one's negative 600 now.