two payday companies. One with a summons against me and the other one taking money out of my account with authorization.

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As for the one with authorization to deduct money from your account... Inform both the lender and the bank or credit union about your disapproval. Revoke the authorization and transfer funds to new unrelated account if necessary. Approach the lender, explain your situation and try to go for a settlement.

Check the following link and see which option suits your situation:

http://www.consumerfinance.gov/askcfpb/1605/how-can-i-stop-payday-lender-electronically-taking-money-out-my-bank-or-credit-union-account.html

Hope this helps! Feel free to ask more if you need further assistance.

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Your question isn't clear, as you haven't specified what you want to do with them.

Well, if there's a summon, you need to answer it. Never ever ignore a summon, since if you don't show up in court, the lender will get a default judgment. Consequently, that may lead to wage garnishment or similar ways which might not be favorable for you. Before it reaches court, try to arrange a settlement with the lender. It's more sensible and economic.


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