Need Help with Pay Day Loans in Maryland

I have taken out several pay day loans on line, and I live in the state of Maryland. And it is out of control. I can no longer pay these exhorbitant finance charges and have also had to close my bank account due to fraudulent withdrawals. It has come to my attention that some of the loans and rates are prohibited in Maryland. I want to contact the lenders and negotiate and/or nullify some of the loans. The list of lenders are below. Can someone please give me advice, help, form letter template, etc. Thank you very much


LENDER NAME LEND DATE AMOUNT FEE AMOUNT PAID
UNITED CASH LOANS ~ JAN 15TH $300 $90 REFINANCE FEE OF $90 (FEB 7)

MOBILOANS ~ JAN 17TH $900 $90 $90 (FEE) $45 (PRINCIPAL) = $135 (FEB 7)

CASTLE PAYDAY ~ DEC 13, 2012 $600 $210 REFINANCE FEE OF $210 TAKEN ON:
DEC 27, JAN. 10, JAN. 24, AND FEB 10 = TOTAL $840 IN REFINANCE FEES

CASHNET USA HAD SINCE AUG 2012 AND REFI A COUPLE OF TIMES $835.86 INTEREST FEES AND PRINCIPAL VARY THIS MAY BE THE ONLY LEGIT ONE IN MY STATE. IT IS CONSIDERED TO BE A CSO

PLAIN GREEN LLC ~DEC 12, 2012 $800 19 payments @$114.28 5 PAYMENTS OF $114.28 ALREADY MADE (TOTAL $571.40)

ST. ARMANDS GROUP ~FEB 6 $300 $90 NO PAY YET

SANDPOINT CAPITAL ~ JAN 15 $300 $90 REFINANCE FEE OF $90 X 2 = $180 (JAN 24 AND FEB 7

VINCE ENTERPRISES ~ FEB 7 $300 $90 NO PAY YET

JVC PROCESSING ~FEB 7 $300 $90 NO PAY YET

CASH WEB USA ~JAN 15 $500 $150 REFINANCE FEE OF $150 x 2 = $300 (JAN. 24 AND FEB. 7)