Credit repair

I've found a lot of helpful information on this site but can anyone shed some light on the laws regarding Internet loans in the state of Virginia? I currently have 4 Internet pdls out, 3 of which are being reasonable in working out payment arrangements with the exception of Zip19/Ecare solutions. I have drafted revocation of wage assignment letters but how do I stop the harassing phone calls and threats to send letters to my employer?

I sent a certified C&D letter via mail to Ameriloan and CMG Group and both came back as return to sender. I'm constantly receiving emails and calls and the balance is getting higher and higher and I don't know what to do next to make them stop and to settle for the principal amount only.

Does anyone know if Summit Group and Mycashnow are legal in Illinois?

I took out a loan with Payday Max and now it's time to pay. I need to work out a payment plan with them so I won't have to keep extending the loan and my payments go to interest only. I don't think they are licensed in Mississippi anyway. So I'm only liable to pay them the principal. What route should I take? My payment is due Thursday.

I've seen a lot of post about kingston financial, anybody know how to get a hold of them, how do you stop them from debiting your account?

Can payday loan companies garnish your wages without a court order?

I currently have the following payday loans:
Integrity Advance, I borrowed $300 and I have paid back over $800 no idea how much more they are saying I owe probably the full amount
Ameriloan borrowed $400 and I have paid approx $1100 and they say I still owe $325.00
Cash Direct Express borrowed $400 still owe $325 paid over $900
Nationwide Cash $400 paid back $240
Are these companies legal in SC and what can I do in order to stop these from coming out of my bank account?

I got a call from 877-209-5454 saying they are filing a complaint in my county about a payday loan I supposedly took out 3 years ago. They had my SSN, address, employment info etc, and said if I don't call them with my checking acct number by tomorrow morning to set up $1000 in payments, a sheriff will serve me a summons at home or work. Are they really capable of filing with the court and all that?

I live in Florida. I currently have 5 online payday loans after reading some posts, I am finding out they are illegal? And florida law only allows 1 loan at a time and my pdl lenders are illegal. I have no problem paying what I borrowed but the fees getting outrageous what can I do.
Mycashnow borrowed 700 owe 595. now
Ameriloan borrowed 400 owe 260
oneclickcash borrowed 400 owe 390
cash adv network borrowed 250 owe 325
fbdloans.com borrowed 600 owe 500
What can I do please help so I never do this stupid stuff again.

I receive former spouse pay from the Federal Employees Retirement System. My bank account has been levied by a credit card company, I was wondering if my bank account can be levied. I live in the state of Texas.