I have two pay day loans out right now, one in which I have defaulted on which is 417.00 including the fees from the returned payment, if I dont pay they will assess a wage garnishment there internet based and the company is called ZIP19. My other payday loan is with an internet company MBS loans, which 250.00 was borrowed on 4/12/2012 I have paid a total amount of 190.00 (loan renewal fee of 95.00). I want to end this trap for once and for all, what would be the best thing for me to do?