i dont know where to start

iv got about a million 800 numbers calling me and im terrified. Iv only ever taken out 3 payday loans in my life. I have the names of some of the collection companies and i want to know if collecting on them is legal in the state of Florida. I havent paid anyone because i am scared and frankly i dont have money to waste on scams.who does. i took out two online ones in the amt of $200 a piece at the same time? one at cash star group and one with emerald marketing i believe. i closed the bank account they were connected to.They both have a collector calling me threatening legal action. what kind of legal action can they take? will i ever get a summons to court? FFG is collecting on the cash star loan and all the collectors want more than the principal amt. And SMG is collecting on the emerald marketing loan. The one company that scares me the most in part because they are rude and threatening on the phone and they are secretive and wont send me anything in the mail is National Credit Adjustors, they are trying to collect on a payday advance i took from a storefront here called Advance America in the amt of $500 back in 2007. They wont send me anything in writing and have even hung up on me. I have reported all of these collectors to FTC because i have spoken to all of them at one time and they continue to harrass me at work and hang up on me or refuse information. What are my rights? what do i have to pay? what can they do to me? my debt isnt big enough for a consolodation company but i want to get my credit back in good standing.