Will they debit early?

I don't know but speaking for myself, I'd make sure my account was completely closed out before sending the letters. Esp. if we're talking the illegal PDLs, there's no telling what they'll do.

You should never tell them about closing your account before hand. Notify them about this only after you have closed the account. Otherwise, they'll rip your account off.

I didn't mention closing the account. I used the template letter revoking ACH and Wage Assignment. Crap I hope my car payment and insurance hurry up and clear. I might even just wait for the car payment to clear and then explain to Geico if theirs bounces. I'm sure they'll be understanding.

Step 1 is always to secure your account before you give these illegal companies any idea that you are revoking anything, closing anything, or that they may not get anymore money from you.

Can you talk to your bank and see if it's possible to let JUST the car payment and insurance payment go through? I'd certainly check w/ the manager at your bank, it can't hurt to ask.

If you have already sent out the letters BEFORE you secured your account, that account is in danger of being wiped out. Go into your bank, and speak directly with the branch manager (no one else will do!), tell them you MUST have a hard debit block placed on your account immediately. Obtain the funds for your other payments and pay them with cash.

Shazzers is - as always! -correct. If you have money in the account now, make arrangements with your car and insurance people to send them a money order or a certified check from the bank for payment, at least just for this once. Tell them you have to close your checking account and open a new one in the meantime and you don't want your payment to be late (I wouldn't think you'd have to explain why you're closing your account as long as they know they're going to get their money). Then put a hard block on that account or, better yet, close it completely.