NSF's Due to PDL's

This is really hard. Right now my bank account is in major overdraft due to PDL's and another check I wrote. My bank originally covered three of the checks/withdrawals, but now I am in pretty hot water. Not sure how to handle this.

My bank account at WF is negative almost $1300 due to what the bank covered and NSF's. I don't have any way right now of paying down the account--my new contract at my job doesn't start until August and I don't have a summer job yet--and don't know when or if I will get one. So I am pretty freaked out. Plus I have two PDL's breathing down my back.

I will probably have to declare bankruptcy, due to credit cards and other bills that I have, but won't be able to do it until August or September. Meantime, not sure how to deal with the bank and the situation. Any suggestions? I don't know from a legal perspective how my situation will be treated--I live in Arizona and the bank is Wells Fargo.

I've had some problems with NSF's over the last year--done a pretty poor job of managing my money and have a lost a lot of money in the process. This just feels so overwhelming . . .