need help a starting point

OK, the store front stores need to be taken care of first. Then you need to check to make sure the online ones are licensed in your state. I could almost bet 100% they are not, but to be on the safe side, you need to check. Then you need to get the withdrawals for the internet stopped. Start here .

What state are you in and someone will post your pdl laws for you. 2nband is correct that you need to take care of the store fronts first as they are likely legally operating in your state and can and will sue you. I would contact them first and work something out with them.

Let us know how much you have borrowed and paid back in principal that way it gives us an idea of where you stand.

I am moving this to the payday loan section so it will receive more attention. :)

Welcome! You have already gotten some good starting advice and ladybug is right. Please post the info she requested so additional help can be given. The sooner it is posted, the sooner you can be on your way to turning this situation around.

I live in Texas. Here are the online companies:

Payday One: $900, paid $329.40
Cashnet USA: $700, paid $367.43
500 Fast Cash: $450, paid $270
United Cash Loans: $450, paid $940 (this is sickening)

In store lenders:
Cash America: $600, paid $124
Check n go: $800, $735 (I have refinance several times so my balance is still $600)
First Cash Advance: $600, paid $0.

I am not sure how I got myself into this mess but I feel extremely irresponsible and embarrassed. My husband and I should be able to live comfortably off our two incomes and be able to put money away. I am unable to do this because of what I am paying out to these companies. My husband has no idea what a mess I have created. I just want to pay these and never see another PDL again. Thanks for any suggestions.

The good thing is, you haven't over paid on any except one. I am not comfortable interpreting your state laws so someone will be along to help you with that. First and foremost you need to protect your funds from the PDLs. Just take one step at a time, and follow the good advice you will get on this board. Hang tight.

All the Storefront lenders, Cash Net USA, and Payday One are legal CSO's in Texas.

What is a CSO Credit Services Organization
more here ..
http://www.debtconsolidationcare.com/paydayloan/cso-pdl-difference.html

What is my first step?

I'd try to set up payment arrangments with the legal companies. Most of them are CFSA members, and have to offer you an Extended Payment Plan, where you pay off the loan in 4 equal payments.

I have read on several posts that 500 Fast Cash and United Cash Loans are not illegal. I have already over paid United Cash Loans. Do I just keep paying?

I just contacted Payday One and requested an extended payment plan. The person I spoke with stated that the loan could not be extended any further. What exactly do I need to tell them. I have a payment due the 19th of this month and I would like to set something up before that. When I set up an extended payment plan do they pick the due date or is that negotiable?

United Cash Loans is an affilate of MNE and I do believe that they are illegal. Why would you want to consider continuing to pay when you have already overpaid? Are they still debiting you bank account? If so, you need to send them a C and D letter to stop the cycle. As for the legal issues, I think that perhaps you and the person on the other end of the line were speaking of two different things? One sounds like an extended payment plan and one sounds like extending the loan itself. Goudah. . .jump here any time now. . . .

I believe they were reffering to a loan exstension rather than the EPP also. An extended payment plan a totally different. It breaks your loan down into small equal payments, usually 4 payments. Please see link posted below for more info. If Payday One is an member of the CFSA they have to follow the EPP if a consumer requests to envoke it.

http://www.cfsa.net/public_education_campaign/guidelines/guidelines_extended_payment_plans.html