Just Starting To Fix It

I'm in the middle of the hell, but I am adamant about getting out of it.

I have loans with legal lenders like:

Dollar Loan Center

Money Tree

Check City

CashNet USA

I have loans with illegal lenders:

Fast Efunds

VIP Loan Shop

Great Plains

Plain Green

I thought I would post this for advice or guidance.

I have arranged payment plans with the lenders I can, and I have drafted ACH Revokes with the all of them. They will be mailed tomorrow, certified, and emailed.

My bank account with Bank of America is overdrawn, and they won't let me close it until it's in a positive or 0 balance. I will be able to fix that Friday.I have stopped payments on the pending ACH transactions, but I am not sure if those will go through. Two of the lenders are taking money out they shouldn't, and I want all of them to stop and have ME get in control of when payments are made. I have every intention on paying back principal to the illegal lenders, and paying what I owe to legal lenders. I just want it on my time frame and to have a better control of payments. I have let this spiral out of control.

I read a few news articles that say Bank of America changed it's policy in August about not re-opening a closed account if a new ACH deposit tries to post. I am wondering if anyone has had problems with this since. Bank of America is not helpful at all with this, and it's causing major overdrafts. I have talked to them three times and they won't help me.

Thanks for any advice/help you can offer.