How can I help clear up my debt with loans that are rip-off?

Tastytreat....
I am not sure, but it looks as if you have signed up with a payday loan that also enrolls you in a visa or master card. That is my guess for the $159.95. Same thing happened to me. Luckily I caught an email that that mentioned the credit card and I started right away emailing and finding out who to talk to to cancel it. The other $60 is for USA credit america or something like that. Another credit program they sign you up for. However, you did sign up. It is all intermingled in with the terms. You were probably like me, so excited you got approved you just clicked through the pages. Check your email for something from Imagine Credit and / or Credit USA or Creidt America. See if you can reply to those and beg cancellation. Good luck!

Dispute these charges with your bank immediately. Close your checking account and have it frozen to all charges immediately. You are going to have to do some work to keep on top of your bank and also to dispute all of these with both the bank and the companies that charged you.