How can I get out of this mess I got myself into?

First of all I am glad that you found this site. There are very knowledgable people here that will help you. Someone will be along to post the Iowa laws for you.

First of all you need to tell us if these are storefront pdl's or internet pdl's. How much have you paid in principal and then in interest. More than likely if these are storefront pdl's they are operating legally and can and will sue you if you do not make arrangements to pay them back.

ladybug

while you are gathering the info that Lady asked for, I will post he Payday loan laws for Iowa here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

peesoul. I am sorry for your physical stress. There were times when I felt like throwing up I was so stressed out. I know how you feel. The people here will help you to get out of this mess. There is a light at the end of the tunnel.