Payday Loan Help - Consolidation/Lower Payments

Money Lion - Legal lender
Harvest Moon is wholly owned by a federally recognized Indian tribe.
First Cash Direct - Not much information is available. They have stopped offering services online as a Credit Access Business. Seems to be illegal.

You can consolidate your legal loans through a debt consolidation program. Pay only the principal amount to the illegal lenders.

Instead of consolidation, you can ask the money lion for an extended payment plan. If they agree, you can pay off the loan.

And just pay the principal amount o the others as theyare illegal lenders.

Pay the Money Lion the full price. The others you've likely paid beyond the principal and you can file ACH block with the bank as long as you have.

I agree with all of them. Pay The Money Lion fully, you can choose a debt consolidation program if you want to.
For other two, if you've paid enough which can be considered as the principal, stop paying more immediately and revoke ACH.

Consolidation or settlement - Actually depends on your financial condition.