Stuck in payday loan trap! Help!

I am another victim of the payday loan trap. I currently have 2 outstanding local store loans and 4 online. I keep rolling them over, I keep getting more on the local loans to pay the rollover fees on my online ones. My fiance thinks that I only have one and no one knows the trouble I've gotten myself into. It keeps me up at night and makes me sick to my stomach all the time. I consider myself a very honest person and that is why I have kept paying these stupid loans over and over again faithfully. But now I've had enough! I'm sick of all my hard earned money going towards these fees. I read a lot about T & C on here and would love to contact them. I don't know if they work for local places, and I also don't know what amount of monthly payments to expect. I'm scared to close my bank account. I'm scared they loan places will call me at work or call my references. These loans just make me sick and it's been going on for months and months and months and I can't take it anymore. If T & C doesn't work for the local places, can anybody give me advice as to how to handle them? Also, what steps should I take if I do close my account? I just need some guidance and encouragement! Thanks!