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I took out a payday loan exactly one year ago. I filled for bankruptcy- no lawyer. I included my payday loan amount. Last day to ammend it is today. I closed my bank account- i had no $. Ystday, I received a call from an attorney representing Payday Co. claiming they will attempt to bring bank fraud charges against me. That if didnt inlcude my closed checking account number when i filed bkrtcy then im not covered and they will go after me for bank fraud. They stated that i could pay the bad check amount but bcs the sum they want is a lump sum, then i would end liable for all payday loan regardless if i included it when i filed for bkrtcy. How can i help myself?..It was stupid of me not to have hired a lawyer wheni filed..i had no $ though.