Not to sound paranoid, but when you pay your payday loan and your CC (collection accounts) try and use a money order. I've heard horror stories where they will pull your bank information off the bottom of your check and draft further debits to your checking account to pay off the balance you owe them. The last thing you need is overdraft fees because they pulled money out that you weren't expecting. Also, stop talking to your collectors. Put EVERY communication in writing in case things get ugly down the road.
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