<prompt> Human: I currently have 2 payday loan companies CashnetUSA, and Speedy-Cash which have an ACH link to my chase checking account. Next week I will be charged 500 dollars and 230 dollars separately to extend both loans as I cant pay them off. One is for 1300 total, the other 800.What are my best options to solving these loans? I can have the entire amount needed to pay them off within the next 2 months. But since I cant pay the entire loan off yet I am getting shafted with these expensive extensions which dont deduct anything from my actual loan that I owe.Should I close this chase checking account? I dont want to get charged millions of fees for closing it. Should I tell the bank about the charges to be blocked when I close the account?I have another bank account besides that one. How should I inform these loan companies of what I am doing?I also live in Texas if that means anything.Please advise, I know payday loans are for idiots, this is a problem I am trying to manage.  <response>: Should I close this chase checking account?That wont help you. Should I tell the bank about the charges to be blocked when I close the account?This is fraud. The charges are legitimate and you are authorizing them when you apply for the extension. If you close your bank account to try to get away from your debts, that doesnt mean the debts disappear. You will simply be entering the unfun world of late fees, bounced check charges, and collections. this is a problem I am trying to manage.You need to figure out if there is a way to get 2,100 before next week. Have you applied for a personal loan at a bank? Asked family for a loan? Sell something valuable your car, perhaps? Hell, even getting cash advance on a credit card would net you a better result than paying over a third of the value of the loan in fees! 