Post Dated Check for Personal Loan

I applied for personal loan with 5 different institutions, and for it to be approved I had to issue PDC’s. When the business that I entered to went sour, the checks bounced. I am willing to pay and I’ve tried calling the banks/credit institutions but they said my account is already with a collections agency. I tried calling the different collections agency to make some kind of payment arrangement but they are asking me to pay in bulk. I’ve been receiving demand letters and if I don’t pay, they will file a case because I issued a check that bounced. The loans approved were amounting to 40k to 60k and now it has doubled. How can I go about making payment arrangement? Will it matter that when I issued the check/s it was funded and I was able to make payment/s for 3 to 5 months?