I am stuck in the payday loan cycle, I am considering using a consolidation company, I have just closed my bank account and am concerned about harassing phone calls, not necessarily personally, but at work. Since I have closed my account I want to make sure i deal with this as quickly as possible. If I don't use a consolidation company what are my options? I need to take whatever steps I need to in order to get my life back. These are all online loans and I am pretty sure most are illegal and have been overpaid according to my state laws, am I correct?