Over our heads in payday loans

You will probably have to close the bank account, sorry. Why don't you want to close it?

Also, if you could list some more information, like your state or residence, what companies you borrowed from, how much you borrowed from each, and how much you've paid back so far to each in fees, then we can give you some better advice.

We live in IA. ACe cash advance500,Pay day Ok 200, Check into Cash 200, Apple Loans 200, JC 300, Chec King 200, ????? cant remember name and not listed on withdrawl 200

Ace we pd back and reissued a few times so fees probably 150
Payday ok paid interest of 35
chk into cash same as ACE probably pd 100
chk king none yet
jc none yet
???? 200 in fees

The pdl laws in IA are mentioned below (just select your state).
You need to pay the principal amount and the fees mentioned here

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Give more importance to the storefront lenders, because they are quick in taking people to the court. IPDL companies can wait for some more time. Besides, most of the companies are not a licensed business. Check each of them with the Dept of Corp of your state

Really dont understand what my options are ignorant of me I know. I will pay the store front ones for sure I want to pay all but I dont know how to make it work

Write a proposal letter to the lender explaining how much you will be able to afford each month and send your first payment along with it. If they cash your check, things will look good for you. Make sure that you get the receipts after each payment is done and they are posted towards your account.

What does jc stand for?