Pay Day Loan, Bankruptcy and closing my checking account

What are the names of these pdl's you owe, and what state are you in? We might be able to locate the addresses for you. :)
[quote]
I hope the information below will help you. :)
You are only obligated to pay back the principal amount you borrowed from an unlicensed/illegal Internet Payday Lender.

What should you do?
Close your account asap, if you are unable to close your account, go into your bank and ask to speak with the Branch Manager, tell him/her you need a hard debit block placed on your account immediately! Explain that you are revoking ACH authorizations from unlicensed/illegal companies, and have learned these companies are notorious for ignoring revocation, therefore it is important to BLOCK any withdrawal attempts on your account to protect your interest. This is your privilege, do not accept no for an answer. The following link will provide you important information regarding closing accounts. CLICK HERE

What next?
AFTER your account is secure send each pdl (the unlicensed and illegal) an email similar to THIS (please scroll down to locate letter template). Tailor this letter to your needs, and try to write it with the same basic concept in your own words. You will need to research and locate email addresses/physical addresses if you don't already have them, I suggest that you type the name of the pdl (example: "oneclickcash address") in the search box in the upper right hand corner of this forum. You may also search for addresses HERE at the Better Business Bureau.

File complaints: Most of the time, you can file a complaint online with the following, I encourage you to follow through with doing so, you will need to search the Internet for your state Attorney General's website, however, here are links to file complaints for the FTC, Online complaints: Federal Trade Commission., and the BETTER BUSINESS BUREAU.

Keep in mind that you may not receive a response for days, or even weeks, or, you may receive harassing and threatening phone calls. I have found the best way to deal with this is not to respond or reply, simply hang up.

Side note: If you have paid an illegal/unlicensed payday lender above and beyond the principal amount you borrowed, it might be a good idea to demand a refund and a paid in full letter/receipt. You may or may not get one or both. It still doesn't hurt to include that tidbit in your letter. :)[/quote]

I live in PA. Here are a list of who I took payday loans through. Some are paid off I am just giving you the entire list.

Cash Net USA - 750
Rapid Cash Management - 200
Cold Cash Today - 450
NLS Cash Adv - 275
Upfront Money - 300
One click cash - 300
ameriloan - 300
Oakmont Funding - 400

We are in almost the same boat. We can no longer afford our utilities due to 4 payday loans. If we stop paying them... can we go to jail?

I forgot to ask if they can put a lean on our home when we stop paying them?

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lizzie does that mean if you take out a loan for $ 400.00 you only owe that amount right

alice, that's exactly right. You only owe what you borrowed.