Payday loans, don't know what to do..

If they are licensed in your state, then the are operating legally. You need to pay them what they are asking for. All you can do is keep trying to contact them to make payment arrangements.

I can't seem to find anything that states they are licensed in ohio. My state regulator said I have more that paid them back.

here are the laws for ohio
Ohio State Information

Legal Status: Legal (-Low Cost)

Citation:
Ohio Rev. Code Ann. ???? 1321.35 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Minimum: 31 days
Maximum Finance Rate and Fees: 28% annual interest
Finance Charge for 14-day $100 loan: $1.08
APR for 14-day $100 loan: 28%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One, four per year
Rollovers Permitted: None
Cooling-off Period: 2 loan limit in 90 days
Repayment Plan: Yes, 60 days, no fees

Collection Limits:
Collection Fees: Bank charges (if disclosed); $20 collection charge; Court Costs after default; damages
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Ohio Division of Financial Institutions
Address: 77 South High Street, 21st Floor Columbus OH 43215
Phone: (614) 728-8400
Fax:
Regulatory Contact: Robert M. Grieser,, Deputy Superintendent for Consumer Finance
Regulator Website

Licensee Database

Complaint Instructions

Complaint Form Link