How do I get my head above water?

What State do you live in?
Even if you cannot close your bank account, you need to but a hard debit block on it so that these companies cannot get any more money from you. Go to your bank and explain there has been unauthorized, illegal debits on your account and you need to but a hard block debit on it. Do this immediately.
From everything I have read on this forum, BIG is way illegal and you have more than likely way overpaid them.
Please post your state and how much you have paid each company and more people will be along to help you.

jbuc, Welcome to the fourm. If you would list the following we can get started helping you: what state you are in, the company names, how much you have borrowed and the total of how much you have paid to each company. Once we get this information we can post your state laws and help you figure out what to do next.

I am in Illinois. I will see if I can not get back statements from my bank and figure out how much I have paid. GFS says I have to send them money tomorrow!

Here are the laws for your state

find your state laws here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

j, be very careful with CTC, they are famous for sending wage assignments to your employer. You need to do as khill said and take care of your account. Please read this information about closing your account before you contact your bank. It has good information in it.

before closing bank account
http://www.debtconsolidationcare.com/paydayloan/close-account.html

j, Bank of deleware is going to be licensed and legal so you need to work out a payment plan with them. You other three are not going to be licensed in your state. I am going to pm you a letter to send to the pdls. You also need to give a copy to your payroll department in case any of them try to send a wage assignment. Do you know how to use the pm feature.

I do not know how to use that

ok, j, you have to be signed in. There is a pm button at the bottom of my post, click on it and it will let you send me a private message. To retrieve your messages go to the top right side of the page under chat and It should say You have 1 new message. Go back and sign in and I will pm you a test message. Post to let me know if you get it.

j's only legal one is going to be the Bank of Delaware one. I suggest sending separate letters revoking any wage assignments signed to GFS, BIG, and CTC. Anyone overseas is "wage assignment happy".

j, got your pm and sent one back. You need to take care of this asap...CTC is bad about sending wage assignments to your employer. If you have any questions, please post them....Roxy

O.K. I am going to call CTC and see if I can pay it off but I have a feeling that they want only one lump sum. However, I went back through my statements and have paid BIG $890 on a $200 loan and GSF $300 on a $200 loan. As far as I am concerned I have paid that loan off but they say those were finance charges. Were do I go from here with them?

I just want to make sure, as I am writting the letter, that I am getting hte Illinois Law information correct. I copied the law information from this forum and pasted it into the letter. Correct?

Yes, You can use the law we pasted above.

Just out of curiousity, has j closed their bank account yet? If j is sending letters, the bank account needs to be taken care of.

My bank account is not closed but it does not have any money in it nor is any going in yet. Still have to work with them too. I really have just been frozen by this whole thing and have gone too long not doing anything because I didn't know what to do.

O.K. I am going to call CTC and see if I can pay it off but I have a feeling that they want only one lump sum. However, I went back through my statements and have paid BIG $890 on a $200 loan and GSF $300 on a $200 loan. As far as I am concerned I have paid that loan off but they say those were finance charges. Were do I go from here with them?

j, your bank account that the pdls have the information on - I understand that there is no money there; however, the pdls are going to continue to hit it big time. The more they hit it, the more it's going to go into the negative. Then you're going to have a hell of a lot of money that you'll owe to the bank. You need to get a hard debit block/hard hold/freeze whatever they want to call it on that account. This way, no pdls will hit and no NSF fees will be charged. You need to prevent these pdls from getting any more money from you. As you can see, they have sucked the life out of your checking account already and they are not even done (as far as they are concerned). They will take you for thousands. Do something with your bank account. Something. Make sure the pdls can not hit it at all. CTC is not going to cooperate with you, most likely. Yes, they want their money & they want it in full. Personally, I wouldn't call them; however, you do whatever you feel is best. Once these pdls catch wind that you are "not going to pay" or "can't pay", they're going to hit that bank account like a bunch of vultures. And every one of these three are ILLEGAL. They will stop at nothing. If they are breaking the law as it is (and they are), why the hell would the stop now? They will continue to try to collect money from you. You actually only morally owe the principle amount of the loans. And I do believe you have WAY overpaid your moral obligation.

Do I just refuse to pay them any more? I do owe CTC the principal and begin to make small payments. I will go and take care of the bank. I tried before but they wouldn't do anything but now that it is a negative maybe they will.
I really don't wnt them making trouble for me at work. I work at a small catholic upscale high school and I can only imagine what they are going to say about all of this...UGGG I JUST WANT THEM OFF MY BACK.

Get this one however,
GFS told me yesterday that I could send a moneygram if I made it for at least 135 on my now $360 loan (which was 200). If I pay by the 10th it will go towards my principal. If I don't then it will be added to my principal making it now $495. When I said that was illegal he said "It is legal and it is policy."

j, GFS is one of the most illegal companies around. I'm thrilled HE thinks it's legal. You have way overpaid these guys. No more money for them. Like I said, you need to do SOMETHING with this bank account. Or these guys will debit you into the thousands. If you keep no money in the account, they will hit causing you thousands in NSF fees, so it needs to be taken care of quickly. GFS can kiss your a$$. Try not to take the phone calls. I know it's easier said than done. If they call your home/cell, just don't answer. If you get caught with them on the phone at work, just tell them (quietly) that you can not speak to them while at work and hang up. They are notorious for calling 1000 times a day though. So I hate to tell you that part. Your CTC, you're not going to like this. CTC sends out wage assignments to employers to try to collect money. Your going to have to type up a quick letter revoking any and all wage assignments you have signed with them. And you're going to have to give a copy to your HR/payroll person. I know it sucks, but you have to. CTC will send that wage assignment so fast. You can just tell your employer that an illegal comapany got ahold of your bank account information and they are trying to get money from you and you're just covering all your bases. Your employer doesn't need to know all the details. I know I just threw a BUNCH of stuff at you. We need to get your bank account straightened out, send a letter revoking wage assignment, send letters to your pdls basically telling them to kiss off, and file some complaints. I'll let you absorb this and ask any questions, okay. Just post and we can go on. Make sure you get that bank account taken care of!

Do the Wage Assignment letters need to be notorized befor faxing them? Should I also mail them?

j, no. They do not need to be notorized. Just make sure THEIR information is on there. And I put my name and social security number at the bottom (hell, they already have that anyway). You can email it/fax it/mail it certified to them. I did it every way I could. If you mail it certified, you can track it and have proof that they have received it.