I want to get rid of this stuff

Welcome. We can try to help you, but first we will need a little more information. Could you please tell us:
What state you are in
The name of the payday loans
Internet or store front
The amount of the loan
and the total amount paid back (including fees)
Many of us here had multiple loans and were able to work our way out. There is a lot here to learn and we would be glad to help you.

you are at the right place :D

i am in MASSACHUSSETTS
MY loans are:ONE CLICK CASH-200
EMERALD-455(300)
PAYDAY-LOAN-YES 455(300)
I HAVE PAID BACK FOR A WHOLE MONTH NOW -105 FOR ONE AND 90 FOR ANOTHER FOR 3 PAY PERIODS NOW
ONECLICKCASH I PAID OFF BUT STILL OWE 78 IN COLLECTIONS

Your state PROHIBITS pdls! First of all, they are illegal in your state. Second, the ones you are dealing with are not even licensed. Crap! I'm posting MA pdl law so you can see for yourself. You need to read the sticky at the top of the site page regarding closing your bank account. These people will not stop debiting your account. Read it carefully. If you have any questions, post them.

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

will i still be able to close of my bank account when it is already overdrawn?then do i file a complaint,then what?thank you for looking that up for me.

Usually banks will not let you close an account when it's in the negative.

But you can have them put a hold or block on the account to stop any future transactions. Read that sticky that Cannr mentioned above, and it has some information about some of the holds and blocks.

marcia, if you have any questions regarding your bank account, please post them. A lot of members had negative bank accounts, so they could not close them. However, the bank can put a hard debit block/hard hold/freeze/whatever they want to call it so that nothing goes through. You need to do something so that the pdls will not be able to hit, causing you more NSF fees, and putting you in the negative even more. Please ask any questions. We're here to help you. :D