Paying off someone else's loan CashNet USA & ThinkCash

Hello,

My girlfriend recently experienced some difficult financial circumstances and was forced to turn to payday loans from CashNet USA and ThinkCash. These people are vultures. I want to take care of these debts for her, but I want to make sure I go about it the right way so that they are truly closed and that somehow I am not drawn into it.

First of all, is there any room to negotiate the amount to be paid if I can pay the balance in full? Apparently in at least one case, they tried to deduct money from her account before the agreed upon date which resulted in all sorts of bank fees, loan fees, etc. I don't want to pay this crap if it can be helped.

Second, what method should I use to pay them? Honestly, I'm afraid to give them my credit card number. Any ideas?

The following are the details of the loans (By the way, we are both Texas residents):

CashNet USA #1:

End of Loan Action: Partial Payment
Discount Amount $45.00
Date applied 05/28/2008 03:12:19 PM
NSF/Late Fees $0.00
Loan Amount $600.00
CSO Interest $1.90
Loan Fee $150.00
Loan term 8 days
Funding Date May 29 2008
Extensions Available 3
Due Date Jun 06 2008
apr 810.19%

CashNet USA #2:

Date applied 06/05/2008
NSF/Late Fees $30.00
Loan Amount $600.00
CSO Interest $3.70
Loan Fee $150.00
Loan term 14 days
Funding Date Jun 06 2008
Extensions Available 3
Due Date Jun 20 2008
APR 664.29%

ThinkCash Loan:

Loan Start Date: 6/18/2008
Original Loan Amount: $500.00
Loan Status: Pastdue
Last Payment Amount: $159.49
Last Payment Date: 8/18/2008
Last Payment Type: Payment
Current Principal Balance: $404.06
Accrued Finance Charges: $310.59
Current NSF Charges: $60.00