Need help on pdls in Ohio

I have 3 separate pdl's out totaling $1200 - CheckSmart, Express Payroll Advance and Nat'l Check Cashers. I stopped payment on the checks before they were due to be cashed when it became clear to me that they would not work a payment plan with me. I've also closed my checking account. After stopping the checks, I sent them each a letter stating (again) that I was currently unable to pay the debt in full at this time, that I intended to pay my debt in full but with regular payments. I;ve since sent all three of them payments of $25 each within a month's time frame. I send the money orders via letter and in the letters I state when my next payment will be sent and I stick to it. They continue to call me and leave me nasty voice mail messages that they WILL NOT accept a payment plan, that they are going to send my payments back to me (which they haven't yet), and that I MUST call them to get the situation resolved. I will not call them because a) I've said all there is to say on my part and b) they just want to intimate me and coerce me into paying something that I can't afford right now. So now they leave me nasty voice mail messages that it is clear that I refuse to honor my debt (even though I've sent several letters stating the opposite). I recently got a letter from CheckSmart that if I don't pay the debt in full within ten days they are going to pursue "legal action" against me. Has anyone had any experience with this? If so what was the outcome? Did they take you to court? Did they hire a lawyer against you? If so what did he or she do and what did you do? Did you incur more fees as a result?
I'm clearly unable to pay the debt in full, so it looks like they are going to pursue legal action against me so I'm just trying to be prepared for what they may do next.
I'd like to file a complaint with the Attorney General's office but I don't know that I have a valid complaint because legally, they've done nothing wrong. Any advice from someone who's been in this situation would be most helpful. Thanks!