My payday loan is defaulted

You've done the first important step - closing your account.

What state do you live in and are they internet or store-front loans? How much was the principal amount for and how much have you paid altogether? If they were internet loans and they're not licensed in your state, you may only have to pay back the principal.

Follow the advice given on this forum to deal with your internet pdls. It is very helpful. Expect them to call you and threaten you with lies such as charges of fraud and arrest. This isn't going to happen. You need to file a complaint with your AG's office and use the template letter on this site and add that you filed this complaint with your AG's office. Very smart to take care of your account in this manner, it may be necessary however, to open a new account as these companies go by dbas and may attempt to debit your account under one of those names. What companies are you dealing with. I can guarantee you most members have dealth with them all collectively. Stick around and you will get through this nightmare. ALSO, revoke your authorization for voluntary wage assignment if you had this clause in your contract.