Into a mess with 3 payday loans

2 words. debt consolidation. Do it now before the need for a collection agency arises, the payday loan companies will be more likely to work with you and your debt consolidation company. :wink:

Call your lenders and explain your financial problems. Don't let them hit your account as you are already falling short of money.

Try to work out a payment arrangement with them. Offer a realistic amount you can pay each month. I guess the lenders will be willing to work with you. If you are unable to arrange anything, you might have to close your checking account before it is hit

Cut it off at the chase...Contact them before you default. I did not do debt consolidation, I handled my defaulted payday loans on my own and had zero problems. You might want to consider changing your account, though, because they won't stop debiting your account. Just make sure you keep in regular contact with the payday loan companies and make sure you honor your end of the bargain. In my experience this has made the companies a whole lot easier to deal with and kept my accounts in house and out of collections.