Couple of questions on how to zero out the balance

cmhumiston..
I don't think it will hurt to continue to contact the pdl's to see if they'll accept a settlement to pay off the loans. Alot of people here have done that while in consolidation.
You can send the pdl's the strongest letter stating why you think you should be let go of your contract and include the amounts you've paid over and above the initial loan amount.
Check your state laws on deferred presentment transactions, money transmitters, and usury laws and include those codes in your letter.
Fax, email and send the letter (registered, certified, return receipt, etc..)
Who are you're pdl's with? We might be able to give you the scoop on what to expect.

check your pm

The payday loan companies are advance america, fast cash loans, checkmate, advance til payday, cash n advance, check n go, loan mart, ace america, and money tree.

If you are unable to pay your lenders at present, you should close your checking account and stop them from making any debits. You will save some money for paying your other bills. Call the lenders and arrange a payment plan with them. Explain your financial situation so that some arrangements can be made for you.

Some of those companies appear to be storefront. They will not zero out your balances and since they are licensed to do business in your state, you don't have any legal recourse against them. That said, they are usually more willing to work with you if you need an alternate arrangement than the one you originally signed up for.

Rach is right, unfortunately. You probably should call them right away and try to make some sort of arrangements.
They will put you in collections and possibly sue since they're in your state. Don't mean to scare you, but take a deep breath and call them right away. And ask for everything in writing. They usually comply...
Let us know how it goesw