Thank you from the bottom of my heart!

I I ran into some issues some time back, I got divorced and I lost my job within 3 months of each other. I have 2 kids so it was a struggle. I too got into the PayDay Hell. I got to admit, it seems so enticing.. One store with Great Plains: I barrowed $500 on 8/26. I have paid them $800+ to date with 6 more payments they want me to make. Did I agree to the terms, sure. I have been paying on time the $100+ every 2 weeks on Friday like clockwork with NO issues. Something came up this week (an emergency issue) and I will not be able to make the amount this week. Remember for the last 6 payments, I have made every one paying interest and small amount to principle. I called them to say that an emergency came up, I have 2 kids, and a health emergency came up. What are my options. They said none. Its coming out whether I like it or not. SOOO I started doing research on help with my payday loans. I came upon this site and to my eyes to see that I live in NY, an illegal state. So I called my bank, she said oh yes they see this often and I can come in first thing and they will stop everything and get me a new account (I have to wait until my weekend purchases clear my acct, that is why I have to wait until tomorrow). So I have drawn up my letters, got all my ducks in a row and tomorrow I will be on the way to recovery. I have a total of 6 loans. all have been paying on (and have paid over what I barrowed). I pay out $600+ from my $850 every two weeks from my paychecks. I feel like I am drowing..

I already feel like a weight has been lifted and I can not thank all of you for everything. This site has not only opened my eyes, I have learned my lesson and trust me, this will never happen again. BUT thank you for all the information to help me stop having anixity attacks and stress every time the phone rings or the knocks on the door or be afraid to check my mail box. I can now walk with my head high!