Bank account overdrawn!! HELP!!

Hi everyone.

A some of you might know, I have had severe problems with payday loans recently, and just a week ago I signed on to this forum and with T&C. They have given me hope and you all have been such a comfort to me. I have also been in the process of trying to close my checking accounts per T&C's advice, and start with a fresh one. I did open a new account, and place holds on the other one to keep PDL co's from debiting my account. The hold did not stick for some reason, so I have had to file claims on all those charges. My bank, Bank of America, has been wonderful in helping me with all this. But there is a limit to what they can do. They put a "fraud freeze" on my account, but I am still out that $600, which I needed to pay my rent and a few medical expenses I have. My rent check went through the bank this morning, and while they told me that it might clear with a fee, there is no guarantee. If it does not, I will owe my rent plus late and returned check fees. All I ask is that if you can donate any points, it would be so appreciated right now. I have had to miss work lately because I've been ill, and am trying desperately to catch up there. I work part time doing data entry for a non-profit organization, and they help so many children in need, and I just feel so blessed to be a part of this organization, and wish I had more to give them. Please find it in your heart to give me any advice you can, points as well.

I'm sorry for sounding so pitiful, I just don't know where else to turn.

Thanks for your support.