In Ohio and can't take it anymore

You realize of course that Cashjar & Integrity are both illegal lenders? I'm glad you closed your old checking account. You only owe the two illegal lenders the amount you borrowed to begin with, whatever you have paid them so far (including fees & interest) should be deducted from the amount you originally borrowed. I don't care what they say, that is ALL you would owe them. There isn't one single thing they can do to you besides harass the crap out of you. Ignore them, don't talk to them, don't even acknowledge them, my suggestion would be to make payments to them with a money order, via certified return receipt requested mail, at your leisure. This way you will have a documented record of paying them. As far as the store front lenders and Payday One, look over your contract with PaydayOne, are they an installment lender or a payday lender, if your contract state they are a payday lender I don't care what they say, they should NOT have lent you money because Internet payday lenders are NOT legal in Ohio. My next post I am going to give you a few links on how to deal with your store fronts, and how to deal with illegal lenders.

Thanks for the information I am set up on epp for my cashland and my check n go loans however, Payone is legal in Ohio and they would not set up an arrangment with me said because i was in default and was a first time customer that I had to pay in full. I am using a prepaid visa to pay back the online loans.So since they won't set up an arrangement to get the loan paid is so do I have any recourse?

The only recourse you have is to ONLY pay back the principal amount you borrowed. Just remember, the unlicensed lenders can't do anything to you, they will threaten and harass, but what it boils down to is that's about the only recourse they have.