HELP! Payday loans in NC

Hi,I had taken out a few payday loans on the internet a few months ago. They were $300.00 and one was $500.00 I kept having them renewed at the cost of $90.00 like every other week. The fees were getting be behind and caused my account to be overdrawn by over $1000.00. In fees alone I would say I paid them at least 3 times ($90.00 x 3) which is $270.00. Now - I have recently been contacted my a collection agency. Very threatening and saying call them back in an hour or they will have locator services find me and I can be criminally prosecuted for bank fraud/check fraud. Ok, scared, I made payment arragements. One company said I owed $600.00 because of additional fees. The principle was only $300.00. They drafted $300.00 from my account like 2 weeks ago (prepaid card) I wasnt stupid to give them anything else but a prepaid card. But I still owe them $300.00 which I am not able to pay. For starters, I already paid fees (refinance fees) from my bank account from the payday loan people....then it gets turned over to collections and I have to pay more? As far as I am concerned., I have paid them out. The other company said I owed over $1000.00 ($300.00 each for 3 pay day loans plus fees) but they would settle for $1000.00. They have me setup with weekly payments of 83.33. I have already paid them 217.00. Both coleection companies are very threatening. Can they have someone come to my house and take me to court? Because when I call to get changes made to my payment arrangment - they place me on hold saying let me check with the lawyer or let me check with the paralegal. Are they pulling my leg? I am supposed to pay today the $300.00 balance from the 600.00 one (which I only owed $300.00) and 83.33 payment - two different collection agencies. I do not want to pay a dime now after doing a little research. I am just scared I can be taken to court or jail for check/bank fraud. I was repaying these loans back. The transactions were clearly coming out of my account. AND, the fact that I have started repaying them back through collection agencies proves I have good intentions and not being deceitful. What should I tell them when they call me today because I am just waiting for that phone to ring? Again - I am in NC. I am not sure where they are located at. I would think not NC. Please help ASAP!!!!