I believe that Payday One and CashNetUSA are both legal lenders in your state, it might be in your best interest to look over their contracts, perhaps they were acting as installment lenders, they have been known to do that. The other two lenders, Salaryfast and Magnum are not licensed to lend in the state of Illinois, this means when they lent you money they broke the law, I have my doubts that they will work with any
debt relief company because they aren't operating legally. It would be in your best interest to close out your personal account as it will never be safe again as long as these companies know your account number. Asking your financial institution to block them won't help because they will change their names and debit your account anyways. It may not be right away, but they WILL withdraw from your account as long as they know your account information.
What most of these Internet lenders will do is have you agree in their contracts for them to envoke a wage assignment if you should default on the loan, a wage assignmrnt id different than a garnishment, but luckily the federal law says that you can revoke their rights to envoke a wage assignment, however, you need to send them an email revoking their rights to a wage assignment, then print it out and show it to your employer. I am going to give you a link with more information on how to deal with illegal lenders.
CLICK HERE to find out how to deal with illegal lenders.