HELP! Online PayDay loan!

Couple of words of advice from someone in the financial world. Like 3404 said, cut out everything that is not necessary. It sucks but you have to do it. Abgsolutely walk into the bank and explain everything. When in trouble with any financial institution it is better to be proactive and honest. They are more likely to work with you. As for the payday loans. NEVER get one of those. The interest is rediculous even for 1980's standards and they have fine print that will allow them to do exactly what they are doing to you now. The chances of stopping them is slim so see if your bank will let you close out that account and then open a new one. From there it is budget, budget, budget.