Bailie, as I wrote in this article (and I'm sure you read), payday lenders will tell you what they told you even though it's not true. I assume you closed the bank account that the check was written on before you filed your bankruptcy. If they keep harassing you, contact your bankruptcy attorney. I took out a payday loan yesterday to put money towards a car.
And found out with all my credit issues I can't get a car with out a cosigner. I called the payday place and told them I'm filing for bankruptcy due to lots of debt. 30 mins later at 8:30 pm a corporate person threatens me and says i better not file else I will get in big trouble with the law. I already closed bank accounts and got a new debit card ordered.
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