payday loans

I live in pa. I have 3 payday loans I have not seen any of these on your site. They are mmg holdings 250.00, kenwood services 300, and ace cash 300.The apr is 782%. We have paid only interest totaling around 1000. Our account is in the negative and could not close we had the bank put a hard hold on it. Till we can get our balance even. We never saw our contract because they sent a virus with it and it was distorted. They will be calling in a few days when they see the hold and can't get the money. What are my next steps or best options? We have to get our other bills caught up which is going to take awhile before we could even agree to make payments. I know it was our stupid fault and we have learned from this, but this is one mistake we don't know how to fix.