Hello everyone! I need someones, anyones help! I stupidly took out two payday loans out on the internet (im in florida)... with every intention to pay them back asap. I fell into some very hard and unfortunate situations that is leaving me in financial ruin. I do not contest that I owe them money, however, they have been so mean in their messages to me that I am afraid to even call them back. My state of mind right now cant handle those type of people! They are telling me that I must have more money than brains if I am going to let this debt go any further because I will end up paying alot more money ($1800 instead of $300 - this was payday loan yes telling me this) Arrowhead investments is contacting my supervisor, my hr department, calling my phone every day at work leaving nasty nasty messages. Please help... any advice?? :0(