Can you contact them and see if you can se tup a payment plan. That way you can avoid collections and negative comments on your credit report. Payday loan companies can be brutal as they deal with this all of the time.

Is your question about are you in the wrong for writing checks on a closed account?

I think that could be up to interpretation. so i couldn't say it is or it isn't in your case since that is a grey area.

but do contact them about a payment plan, if you can reach an agreement.

and in the future, i would avoid using payday loan places, they are evil in the amount of interest they charge and fees they have

I would say you did write the checks on a closed acct. You knew the money was to come out & u purposely closed the acct. when they went to get money , the bank told them acct was closed! your bank told co acct was closed, & that is what they have proof of from your bank, in writing. You will have hard time proving otherwise, Do contact them about a pymt plan!
Good Luck!

Who cares what they say, there gonna say what they want anyways just to make you look bad. the only thing they can do is put you in collections and it will go on your credit. just call them and make arrangements to pay something every month or most of the times they will just settle with less then what you owe. I have 6 out so I know what youre going through.

Yes in my opinion you would be guilty of writing bad checks. You will have to find an additional source of income. A second job will help. You can do it part-time if you don't have much time or energy. Every little bit helps.