So what happens after I close my checking account??

You could contact the lenders and let them know your situation and see if they would be willing to set up arrangements. If they do set up arrangements, be consistent on payback to them.

Like Tammy said, contact your lenders and try to arrange a payment plan. Some lenders will be willing to work with you, some won't. But you must give a try. It will sound good if you can send some advance to make your point stronger. If the check is cashed, it will be understood that the lenders have accepted your proposal.

Read this discussion about closing a bank account.

http://www.debtconsolidationcare.com/forums/close-bankaccount.html

I am quite certain that you will get positive results after this attempt. If nothing works, let them know that you have hired a debt management company who will be further taking care of the accounts.

Here is another way that you might consider. When I went with the debt consolidation route. I first made sure everything had cleared my bank account. I closed the account, then when all of the fees from the PDLs were rejected. By that time the debt conslidation company had been in contact with them. I gave no advance notice to the PDLs.

If I close my account and open a new one somewhere completely different can they still debit my new checking account?

They only way they can debit your new account is if you give them your new account number.

I think with the store front lenders it's easier to contact them yourself and see if they will work with you on arrangements. Of the ones we had most of the store fronts were fairly easy to work with.