*throwing a life raft*
You have come to the right place

Seeing as you registered you should be getting a call from someone that can help you. But for now could you tell us a few things about your payday loans? Who are they with? are they storefront or internet loans? how much you borrowed and how much you have paid in interest? and what state do you live in?
As soon as you give the info someone should be along with some helpful info for you. So for now grab that life raft and relax. Keep checking back for your info.