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If there are only one or two such checks outstanding, it may be worth paying the stop payment fees to make sure that the checks are not cashed. It just depends on whether the cost of opening a new account (new checks, less favorable fees, convenience) exceeds the cost of stop payment fees. Most states have some type of consumer affairs department that publishes information about payday lenders specifically for that state.
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If you're considering filing for personal bankruptcy as a way to relieve overwhelming debt, you may be concerned about how certain debts are treated in bankruptcy court. Cash advance debt is a type of debt that worries many bankruptcy petitioners. Many people struggling to make ends meet each month turn to cash advances and payday loans for temporary relief, only to find themselves deeper in debt and unable to repay these loans.