sinking fast

Please list for us, who you have loans with. The amounts borrowed , and the amounts you have paid to each lender. Please add the principle and fees for one total for each lender. Are your loans store front or internet?
Also ,please let us know which state you reside in. Yes we can help you, but we do need this info

Did you get my reply with the info?? I don't see it up here

Did you post it to the correct thread?
I did not see it

National money store 450.00 112.00 fee

Little Loan Shop 300.00 90.00 fee

Nationwide cash 400.00 120.00 fee

Discount Advantage 480.00 46.00 fee

one step cash 300.00 90.00 fee

speedy payday 300.00 90.00 fee

payday loan wizard 200.00 60.00 fee

These are all internet loans. I live in North Carolina. I'm not sure how much i have paid so far. I have so many debits coming out of my checking account i'm lost. Please help

I will post the laws for you state , but we do need to know how much you have paid each one in total, to see if you have already paid what is legally owed. Please gather this info for us. Chances are that some of your loans may already be paid in full

You will find the Payday loan laws North Carolina here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

These loans are not legal in your state.

Since they are not legal am i obligated to pay them back?

Before closing your account,please read the following. If you can close your account we suggest that you do so to stop the debits from coming out. We reccommend opening another account, in an unrelated bank

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Actually, its something that many have debated. We do advocate paying back what you borrowed. some feel that it is the morally correct thing to do. It is a decision that you have to make, but I can tell you , that most of us did pay back what we borrowed.They did give us the money, and we did use it

I am so confused!!! I don't know where to turn next.

I think your next step should be taking care of your account. Then you can start to pay on your own terms

If i stop Ach trasactions from my account Will they hassle me at my job? I am really sorry to bother you but you are really helpful and i greatly appreciate your advice. Thank You very much!!!

You need to stop the ach debits,You need to gain control of your money, you need to open a safe account at another bank. Only after reading the above to be sure you can,
Send each PDL a cease and desist letter telling them to only contact you via e mail or usps. Some will listen , some wont, but it is better than having them take out your money
You are not bothering me, so ask if you need to