Default on Payday loans and worried

Criminal action isn't specified in your state when it comes to payday loans, but, you can't go to jail for owing a debt. If the online lenders are threatening you, don't believe them, if I remember correctly all of your online lenders are illegal?

For now, deal with the store front lenders, especially since you wrote a post dated check. If it were me, this is what I would do to take care of the store front lenders:

I would send them a letter, certified, return receipt requested, and outline a payment plan I could afford, I would explain that I was enduring a hardship and intend on paying them back, even if you can only afford 20 bucks a week, at least it's SOMEthing, and it will delay any legal action if you are in contact with them and proactive in paying back these loans. With this letter, I would send a good faith payment. Keep records and copies of all communications, and continue to send them payments (money orders) until it's paid off. If this should ever go to court you will have proof that you were making an effort to pay these back, besides, if you faithfully make these payments as outlined in your letter, by the time it went to court you would most likely have them paid off anyway. That's what I would do.

As far as the online lenders, if I am correct in my recollection that we have already determined they are illegal, don't worry about their threats, they are all bogus, just take care of your legal lenders first, you can deal with the illegal ones later, just don't speak to them on the phone if they call, they only want someone to argue with, don't give them what they want.

Is the only action a storefront can take going to court? I would like to send them letters, do you know if I should send the letter to the actual store or find out where the "corporate office" is?

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Im in Texas too...Who did you have loans with?