Crushed by payday loans. May lose everything. Dire need of help.

I am seriously under water with 5 pay day loans, two of which emerged without my even realizing it. The portals are so confusing that two loans were processed as I attempted to get one. One called to verify, but the other two just sent deposits in my account the next day. On e loan I have been paying since November 09 which I have ow paid $1800 on a $200 loan. All of this began when I got separated and lost all financial support from my husband and I have a little girl. I'm now losing over $1000/mo.. almost a 3rd of my income and have paid well over the loan amounts to the tune of 200% but can't get out from under. At this point I couldn't even afford clothes for my daughter entering school and I am desperate. I started to follow advice on threads but could really use some steering. I live in NYS and just followed a link which states internet PDLs are illegal. What do I do? Do I close my bank account or send a cease and desist? do I also calculate payments made to see how horrendously overcharged I have been? Is there a possibility to get refunded? But more importantly, I just want them to stop. I can't eve pay my full rent and I am a single mom with no financial support. Any help would be immensely appreciated.