Need help paying off pay day loans.

Hello and welcome to the forum, since you have registered with the site a credit counelor will be contacting your shortly. What type of payday loans are you dealing with, online or storefront?

online..
is there a credible company that deals with this that I can call. I live in Texas.

Budget Right Management has contacted me. Any feedback on them would be appreciated.

Link deleted as per forum rules - Mike

I haven't heard anything about that company, I looked over their website and it looked pretty good.
First you may want to check out the state laws for your state regarding payday loans.
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Have the companies been charging you the correct amount of interest?

Here is one. Does this look correct to you?

ANNUAL PERCENTAGE RATE 260.71 % The cost of your credit as a yearly rate. (e)
RENEWAL CHARGE $105.00
The dollar amount the credit will cost you.
Amount Financed $350.00
The amount of credit provided to
you or on your behalf.
Total of Payments $455.00
The amount you will have paid if you select to renew
your loan and make the payment as scheduled.

According to your state laws you can only be charged $12 per $100 and you are being charged $30 per hundred. Who is this loan with?