I have gotten into payday loan hell and need help to get out...I am in Mississippi...I have 12...some are payday loans and some are classified as short term installment loans. Most of the consolidation companies I have talked to for assistance will still leave me in a bind. I am not in a position to file bankruptcy. I have talked to Oak View Law Group and they are reasonable but I can't figure out whether or not they are legitimate. I have also closed my account and opened a new one. I am not behind on any of these but will be on Friday when they try to deb