Florida Resident trying to pay off internet payday loans!

I'm a Florida resident and have been trying to negotiate payoffs with payday lenders (all internet) prior to the loans defaulting or any payments being returned. Several have agreed to my proposed payment plans and have agreed to stop ACH debits. Others have not. Here's a summary of my situation with the lenders who will not work with me:

The Loan Shop a/k/a Isle Ventures? - Loan amount $300
Paid $90 to date (only payment required) Tried to make arrangements and was contacted by a collection attorney threatening to report me to Telechek, etc due to returned ACH. The point is...nothing has been returned to date. He said I owed $488 but after I gave specific amounts and dates, he reduced it to $390 if paid within 7 days, otherwise, he will "prosecute"

SJM Marketing, LLC - Loan amount $300; deferred payment until end of month with no added fee

Zip19 based out of Malta? - Loan amount $1000; fees charged of $200 each time it is paid. Have to pay it off at $1200 and request new loan for principal each time. Will not make arrangments

Pay-day Loan Yes - Borrowed $350; will not make payment arrangements until a payment is returned; would not provide an address

BIG, LTd - borrowed $200, paid $80 in fees so far, cannot reach anyone to make arrangements

Any tips you have would be appreciated. I have sent some letters to revoke ach debits. The one I am most concerned about at this point is The Loan Shop due to the reaction of the company by sending it to the attorney before I even defaulted!