I am going through the process of ridding myself of the payday loan hell trap. I had quite a few online loans from various companies that were illegal in my state. I used some information I found on here (thank you everyone, this site is a life saver) to get me started. I closed my checking account, sent out letters, etc. I have received replies from a couple, haven't heard from others (which I am hoping means it just disappears, haha) but there are a couple who keep calling me. One in particular is MyCashNow.com or there collector now, Cash Protection Depot.