Credit repair

I have struggled over the years after a divorce and sometimes used payday loans. On one income it is really hard. I have worked part-time but still struggle. Right now my problem is 3 payday loans. I have been sending them money every month but Cash Transfer is threatening to garnish my wages. They keep contacting my supervisor at work saying get a message to me. Can you tell me if the 3 loans I have are legal in Virginia.
Cash Transfer - borrowed 600.00 owe 862.00 paid $ 400.00
Getem Cash - Borrowed 300.00 owe 562.00 paid $ 100.00

I have a few pdl, and can't pay them. Paying them has caused me to get behind on everything. All are current except united, and it was NSF at the bank last week. They have continually tried to send it through my bank and now it's -500 from NSF fees. What can I do? I live in NC
Ameriloan - borrowed $400, paid $360 to date. internet
United Cash Loans - borrowed $400, paid $805 to date. internet
Plain Green - borrowed $300 haven't paid anything yet.

Does anyone have any information on United Cash Loans? Are they legal in North Carolina? They are calling my family members and threatening to process me.

Just got a call from a company named Lanphier Associates, they say. Telling me that if I did not pay them or give them my lawyers name that they would pick me up tomorrow at 11am. First off, I do not have any PDL's nor have I for over a year. Second, I googled the name and it is a marketing company so I called them and let them know that this group was using their name in this way. DO NOT FALL FOR THIS. I also found on complaintsboard.com that others have been contacted. This is such a scam and it makes me really mad! Anyone else affected?

Can you direct me in where I can get a listing of the State laws for payday loans in North Carolina? I know that we are one of the most liberal states with this matter, but I would still think there are some restrictions. Also, what about the following ipdl companies: Plain Green, VIP Loan Shop and zip19.com.

I need some advice on Arizona payday loans. I have 6 loans that were taken out via the internet. When I searched the companies licensed in Arizona only 1 out of the 6 were? Does that mean the other 5 are illegal loans? Does that mean that I only need to repay the principal owed on these loans? Do the fees paid in interest/fees count towards this principle? Is it difficult to get a hard close through Bank of America?

I am in CA dealing with AmeriLoan, Norstar, Pay Day Loan Yes and United PDL. All are illegal I found out. How do I get them to stop calling my work everyday? It’s so embarrassing!!! I know there a cease and desist letter. Where can I get it??

I live in Connecticut and fell into the payday loan trap! Once the finance charges for my loans go through tomorrow my entire paycheck will be gone. I currently have 11 loans out and can not pay any of them off. There are 2 loans that I have paid the finance charge for over a year now and another loan that I have been paying on since February 2012. I need to know how to get out of this trap, I am a single parent and can not afford anything right now!!

I have 11 PDL's and need guidance. I need to know how to find out if the PDL's are licensed in Louisiana and any other help I may get.

Can anyone tell me where to go to see if a specific PDL is licensed in my state ( KY)?