Help with My Payday Loans In Michigan

I have had loans in the past, but was able to pay them off and lost my job and fell into the trap in the last six months. They are in my husband's name and we realized they are illegal (I am in Michigan). This is what I have:

Payday Max - Original Borrowed: $1890.
Paid so Far: $3289

PlainGreen Loans - Original Borrowed: $1800
Paid so Far: $2726

Mobil Loans - Original Borrowed: $1520
Paid so Far: $1893

So we have overpaid all of them but still have balances due. I closed my checking account and sent them cease and desist letters advising them that they are illegal and I have overpaid them what my original loan was, but so far they have ignored me. The payments are not due until next Friday but I dont know how to go about not having them harass my husband at work and how to get the overpayment back.

Any advice would be appreciated!