I have about 6 payday loans with internet lenders totally about $3000. I have decided to use Langhorne and closed my account so no more fees could come out. I have read good and bad things about Langhorne and now I'm scared that I am throwing my money away. Am I doing the right thing? How can I find a copy of a cease letter for the lenders to not call me or should I just let Langhorne deal with them? Thanks for your help