Where to start? HELP

Personally I didn't send letters of validation or removal, but I did send a cease & desist letter to the lenders. And they all actually followed it. I also sent letters withdrawing authorization to debit our bank acct, but no company followed that one.

Last, it doesn't hurt to send out a letter (you could probably combine the requests into one letter rather than three) stating that over time as a customer you've paid however much you have paid, your state law allows $xx, and you feel the loan should be considered paid in full. Doesn't hurt to try that approach. If you get offers from the companies, have them send a written statement if they declare the acct paid in full.

Good luck!