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Closing your bank account is one answer, but since banks check credit reports to open new accounts, I recommend that a new account be opened before the old one in closed, just in case. If there are only one or two such checks outstanding, it may be worth paying the stop payment fees to make sure that the checks are not cashed. It just depends on whether the cost of opening a new account (new checks, less favorable fees, convenience) exceeds the cost of stop payment fees.
Most states have some type of consumer affairs department that publishes information about payday lenders specifically for that state. For further information online, search for payday lender brochure. Even better, consult your friendly neighborhood bankruptcy lawyer, who can help you determine what to do about payday lenders as well as other creditors. Cash Advance Bankruptcy.
CashAdvanceIt has made reasonable efforts to only work with well recognized does a payday loan hurt your credit trustworthy lenders who employ fair handling in their collections practices for past due accounts. Consumer Notice: Payday loans or cash advances are made for the purpose of assisting consumers with short-term financing to resolve immediate cash needs and should not be considered a long-term solution.
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