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The only reason you are borrowing from the payday lender is that you dont have money in the bank. (See this post for information about how bankruptcy affects a real bad check. ) I have learned to ask prospective clients specifically about payday loans. Many people seem to assume that bankruptcy will not resolve such loans.
You should advise your bankruptcy lawyer about those loans, and discuss how to handle them. The other issue to be dealt with is the fact that there is someone out there with access to your bank account, and what we need to do about that.
It may be that once you file bankruptcy (or even if you dont) the lender will never try to emergency cash loans for unemployed south africa the check.