Wage revocation letters?

I have 4 pdl
1.little shoppe
2.second wallet
3.arrowhead
4. Paycheck Today


I was on earlier and was still in need of help.I was reading about first thing to send to these companies a wage assignment letter how do I find the addresses for these internet companies. Here is my post from earlier under please help

I closed my bank account after it was run dry. I On 9-29 I had these four coming out again at $90 each. After I closed the account i repoened a new one at a different bank. Well I have heard from all 4. Arrowhead sent me an email 2 days later saying it was already sent to collection with Icollect. I was devastated. I have pretty good credit with no collections. I figured I could work out an arrangement with these companies i just wanted the $90 every two weeks to stop because nothing went to principle. I haven't heard from them since the email. I haven't tried to call them. Next, i called second wallett and made reasonable plans with them over the next few months and I requested an email to verify the agreement. I haven't called little shoppe yet. I did call Paycheck today and once again it was bad. The man said My account was once again sent to collections. I said what could I do. He said if I paid $325 by Fri. He would stop the collections. I said i would be willing to set it up over 3 payments he then said no and he said I don't want your money and deal with collections. This man was set to ruin my credit. It has only been a week since my payment was due.

Please I need help what should I do. Should I pay this man the $325 to avoid ruining my credit if he will take the money. I don't have the money, but I will not make my car payment and try to work with them on it.