Credit repair

I have four payday loans. One with Cash Today, one with one click cash, fast cash and the other I can't remember. They all want their money and want it now. It's been since 2010 since I took these stupid loans. I feel so stupid .. and alone...I’ve been told not to pay them at all and report them. I've told them to send it all to collections but they won't. what do I do. I live in Connecticut and need help now. I want them off my back.

I am really having a ruff morning! I'm so over this entire situation, the stress is killing me....I wake up every morning so nerous and feeling like I'm going to cry all day...I'm making progress but its taking soooo long. I'm so worried about my credit cards I've not made any payments since September or October. I never miss payments like this. But to get these pdls taken care of I have no choice. The phone rings off the hook daily. Once I get the pdls taken care of it will be February (I think).

Can a collection agency legally collect on a payday loan issued by an internet company that wasn't licensed in my state at the time the loan was issued?

I got a $200 loan from Cash Today Ltd. in the summer of 2011 and paid it back, but the company says I didn't. I have bank records to show I did. They continued to try to take $ out of my bank account, but my bank alerted me and stopped the transactions. Now they are harassing me and saying I owe $2,600 and they will call my boss if I don't pay them. I know it's not legit but how do I get them to stop? Will they call my boss and embarrass me? I can't get an address to send them a letter revoking my wage assignment. If I e-mail them, does that work.

I now have 4 payday loans. I live in Florida, and didn't know you can only get 1 for $500. I have one from a store front, and 3 from the internet.
Advance America-store front-$500.00 (charges $55 per advance for 2 weeks) I have probably paid out over $1000 to them in fees
Cash Net Usa- on line-$500 (made 2 payments of $117 which was fees only. paid nothing toward the advance. Paid off the original advance because i had to, but readvanced because i couldn't afford to pay it off!)
Emerald Marketing- online-$300 (have made one $90 payment so far)

I currently have 4 pdl, one internet and 3 store front totalling 2700.00 I am so tired of my family going without and barely paying my bills. I must end this now, but I can not afford to pay anyone to help me with my mess that I have made financially. From the postings that I have read, I need to close out my acct. and write letters explaining my situation and how much I will be able to afford monthly or bi-weekly. Someone please help.

Who is NCO and what do they collect for? They left a message stating to contact them at 866-473-9021 regarding a business matter. No reference number or identification that they are calling for me. Just left a very matter of fact message collection is for a debt, etc…

I am throwing this out there if anyone knows about the following pdl's that I have right now if they are legal or illegal for me in CA.
United cash loans
Ameriloan
Sandpoint a.k.a. clearwater bay marketing
FTR processing
VIP payments
EZ payday cash
discount advances
Paragon
VIp Cash which I believe is qloot
Payday Max

I know Ameriloan illegal in NY but how do I handle them? Am I only responsible to pay them what I borrowed and not the interest? If lets say I borrowed 350 and payed them back 400 in just interest only. Do I still have to pay them back what I originally borrowed? Do I tell them its illegal in NY, I am only paying you the principal? What should I do? I need help I want to resolve this fast and is it illegal in NY? Can they really sue me?

I am dealing with a really hard handed pdl company called Cash Transfer Centers. I am currently in this cycle of getting the loan, paying it off and having to reloan in order to pay other bills. I have currently been paying them approx $700/month in interest and have tried going through a debt consolidation program and they refuse to even discuss a payment plan. They are to the point of calling my family members and have even sent a notice to my payroll department - this is for a loan that was due on 12/7! What are my options here?