Where do I start 10 online 5 storefront

Ok, Ive got 10 online payday loans that have been completely eating my paychecks every two weeks. Ive also got 5 storefront PDLs between my wife and I. We have been struggling with these it seems like forever. I have got to save my paychecks... ive paid my bank, (Chase) literally thousands of dollars in NSF fees over the last year. I need to stop this cycle now! I have been reading these posts and am undecided which direction to go. Bankruptcy or credit counseling or trying to work this out myself. All of my other debts have been affected by these stupid PD loans. I know I need to change my bank account, what do I do next? I live in Arizona.