I am getting very uneasy reading some of the experiences posted here. It seems that even though people are consolidating and paying the companies back, the companies are (1) still trying to debit checking accounts and (2) Calling places of employment. I really don't want to have either happen. I haven't defaulted on any of my payday loans although I will not be able to pay them when my next pay period comes around. I am sending my payment in to T & C on Wednesday but I am still worried.