I have 5 payday loans and after reviewing other threads I have already taken the first step and closed my current bank account. My loans are with Check n' go, plain green loans, payday one, sky lending, and lakota cash. I also have a western sky loan. What can I do to get rid of this debt. I cant afford to make all of these payments. Who is illegal in ohio and who is legal and what can be done to make arrangements with the legal ones for only the principal balance?