I have several payday loans that I have not paid. I closed my checking account to avoid the additional charges. The checks were returned to the pay day loan stores unpaid by the bank. They have been calling me, I have told them I would pay payments. One sent me a facsimile letter and a copy of a "me" vs. "them" typed up letter with a motion to the court to collect.. in the letter they wrote, unless you make arrangements we will follow through with filing legal action. I called them and they want me to pay for the check plus interest and 1/2 the attorney fee ..originally the check was 349.00, now they say I must sign and say I will pay 595.00 Should I allow them to turn it over and pay the court later, will that be cheaper. Or should I sign the agreement, can they make me pay back that much if they are only holding my check for 349? Or should I say I will only make payments without signing anything? What can they do, what can I do, what would be the best solution to benefit me? My daughter-n-law works for one of these loan places and says all their store can do is collect the check plus the bounce charge, no extra interest, I owe them the amount of the check plus 28.00 bounce charge that is it, shouldn't all the stores follow the same rules? Are they trying to corner me into paying paments more than what I am obligated to pay. I am going to pay them back , but I don't want to sign anything or pay what I don't legally have to. Please let me know asap, I told them I would be in Fri.