I have 6 outstanding PDLs, some online and some through local stores, and I already contacted T & C, but here's the problem. First of all, to spare the details, my bank account is in the negative. My bank will not help me at all, I cannot close the account until my balance is in the positive, I cannot put stops on any of the ACHs unless my account is in the positive and I pay $39 each and I cannot "freeze" the account of all debits. So my account just keeps getting worse and worse and worse because of the PDL places putting their debits through.