Splash Cash

I am so upset that I am shaking. I got into PDL hell and am trying to get out of it. My wonderful bf loaned me $$ to pay them off....that's the tricky part. I have a loan with VIP Loan Shop and Splash Cash, which claims Sovereign Immunity. I was going to use a PDL settlement company but then he gave me the $$ to pay them off. I closed my checking account and the PDL settlement company sent ACH revocation letters and a limited power of attorney to the providers. I advised the settlement company that I would not be using them and that I would try to settle on my own...big mistake. I am not providing any banking information for these companies and they will not provide any other means for me to pay off the loans. A CSR from SplashCash advised that they were investigating me for FRAUD for closing my account. I am offering to PIF and send a cashiers or certified check and they said no! I have tried to find a United States address for VIP and it doesn't exist. I have also seen that VIP has several states that have issued cease and desist orders to VIP. What a mess! Any advice?