I live in the state of Texas. I have several payday loans, storefront and internet. I want to pay them off and was wondering if I can just pay the face amount of the loan. All my loans are in default, the majority are with collection agencies. I have been considering filing bankruptcy to rid them along with other credit card bills and to save my car. I am going to list my pdls. Please advise me of any alternatives that may assist in resolving the mess I've put myself in. In reading other blogs, you state which pdls are legal/illegal. If they are illegal, do I still need to pay back?