Mass Resident in need of HELP

Hi, I have found this forum sooo helpful!
I have been dealing with the awful payday cycle hell for about 2 years now on and off.
Right now I am over my head, and need help.
I live in Mass, and from what I am reading these loans are illegal and I may have some relief.

Here are my online lenders:
One Click Cash
Loan amount - 400
Paid - 480 Finance fees only (120 per paycheck for 4 checks)

US Fast Cash - DBA MNE Services Inc
Loan amount - 400
Paid 360 Finance fees only (120 per paycheck for 3 paychecks)

500 Fast Cash - DBA Red Cedar Services
Loan amount - 400
Paid 240 Finance fees only (120 per paycheck for 2 paychecks)

Itsmypayday - DBA National Opportunity Unlimited, Inc
Loan amount - 400
Paid 200 Finance fees only (100 per paycheck for 2 paychecks)

cashtransfercenters.com
This online lender does not renew loans
i have a loan for 800, with 1016 due on 12/6 (next paycheck)

I believe all of these online lenders are illegal for Mass residents.
Not sure about cashtransfercenters.com, where they dont renew the loan

I plan to call my credit union Monday morning and ask about closing my checking account and opening a new one with them.
I plan to explain the situation.
I want to confirm how to make sure i can get my paycheck on 12/6 which has been direct deposited for a decade.
From what I have read it sounds like I need to ask the credit union that they only allow direct deposits into my existing checking account, and absolutely no withdrawls, until I can have my employer change the checking account to deposit my check correct?

This is my main concern, because I want to be sure I receive my paycheck on 12/6, if not I'm screwed with bills.

Also, my plan is to contact these lenders via email with the info that i found on this site about the loans being illegal in Mass

I was also planning on paying back the principle on these loans, for sure the cashtransfercenters.com

But for the other 4 loans, or should say 3, because one of them has been paid over the principle, but because i have had loans with them in the past and have paid outrageous interest, should I tell them that I dont plan to repay whats left on the principle, because they have received so much money from me on past loans?

My other main concern is that they not contact my mother and sister who I have listed as contacts on the loan
Am I better off just telling them I will pay off the remaining principle amount, and thats it? And say I'll pay it in Jan?

Thanks in advance for any advice!!!