help before I make yet another mistake

so i assume you would have closed the bank account by now if yes you can hire a professional debt settlement company and seek advice or enroll in the programs they have to offer you i would suggest that you called up the tollfree number of this site and see what they have to say in the free consultation.

Hi there and welcome, I will return shortly with some helpful information.

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Your payday loan laws are at the link below:
paydayloaninfo.org/stateinfo/FL.asp

Check the link below to see if any of your lenders are licensed.
real.flofr.com/ConsumerServices/SearchLicensingRecords/Search.aspx

Most of them aren't so CLICK HERE to find out how to deal with unlicensed lenders.

Snookie, you're NOT stupid, most of us who post here have been in the same situation you're in. It's called being human and making some mistakes... check out the links that Shazzers has provided, follow their instructions, and if you have more questions to ask, this is the place. And as far as using a debt consolidation agency; many people here, myself included, have worked our way out of the payday loan mess on our own, using this site and other available sources, including our State financial agencies.

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Before recommending debt settlement do your research, find out if the payday lenders are licensed or unlicensed, if they are unlicensed that's a whole different ball game.