I live in Texas. I have loans with US FASTCASH, DOLLAR PREMIER, EVEREST, MAMBO CASH AND WESTERN SKY. I understand they are all illegal in Texas. Im sending out letters today. Problem is, i owe all on just principal but cant afford to pay it back right now until i get caught up on my day to day bills, rent, car payment ect. Any advice please on what to or put in letters?