I live in Kansas and have several payday loans.

You will find the Payday loan laws for Kansas here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Please tell us exactly how much you have paid back to these companies. Add fees and principle to get one total for each lender
These are the laws for your state

Welcome to the Community :D CashCAll is not a PDL, it's backed by a bank. Please read this thread about them, may give you some info on how to deal with them at http://www.debtconsolidationcare.com/paydayloan/cashcall-info.html

Got to go to work- but will check on the others later-someone else may have info on them and post for you!!..KAren

we are still waiting for you to post the actual amounts that you have already paid to each lender. We can not help until we have the info

I believe that Think Cash is considered an installment loan also like Cash Call? Someone correct me if I am wrong.

Yes, Think Cash is an installment loan, backed by the First Bank of Deleware.

They should not be treated like a pdl, since they are an installment loan. Since they are backed by a bank Federal Law allows them to import their home state's interest rate and bypass any state licensing or laws.

Even though they are not pdl's here is what my husband and I have been paying or are paying as I don't know where to begin to end this hell.
Cash Call #1 $5000.00 59.95%, paid as of today, 2077.78 the loan was taken out 1/5/07, Cash Call #2, $5000.00 59.95% paid as of today, $1265.78 loan taken out 4/9/07, Aero Advance, loan date 8/19/07 apr 1460% $300 paid back $180, Think Cash #1, 8/29/07 APR 102.55% $1750.00 paid back as of today, 96.21, Think Cash #2, 7/20/07, APR 92.75, $2000.00 paid back as of today, 379.16, Worldwide Cash, 9/18/07 no apr $300 loan with an $89 renewal fee every pay check which is bi-weekly, same goes for Aero Advance and then PayDay One the loan was for $500 and they turned us over to collection for the entire $570 and we have made one payment of $148.75. Not proud by any means but that is the down and dirty of it.

Hello....I know how disheartening thia must be for you. Many here have had similar experiences. Your biggest problem with the likes of Cash Call and Think Cash: They are legal and as such can charge you what you are paying. The only option I think you have is to try to make some other arrangements with them or possibly try a debt program. Have you tried signing up for a free consultation...they may have some other suggestions for you.