screwed

Need help in Ohio. I have been talking to a couple of you. I need to make sure if I proceed with this I am not digging a bigger hole for myself. I have a loan with Western Sky which sold that to Cash Call. Another one with Plain Green and Cashnetusa. Cashnetusa is screwing me the most. My loan is 1800 bucks but I had to extend that so I am being charged 460 every two weeks. that 460 is not even going to my principal. If I follow the instructions to contact my bank and stop all ACH and send them a letter about being illegal and only paying what I owe. I need to make sure this procedure works. I can not make matters worse for me. I contacted the consumer financial department in Ohio and they said I need to follow my contractor or contact an attorney. Hello I can not afford an attorney. I need someone to contact me who has sent them a letter, closed the bank account and is getting debt free from this vampires that are sucking all my money out of my paycheck. Thanks to everyone that answers.