I live in Ohio and am stuck in Payday loan hell
Payday loans are legal in your state but it is capped at $500 and the lender can't charge more than 28% as the interest rate.
But not paying back the loan will make you shell out more as interest will accrue every month. If you have not defaulted yet, you can approach a consolidation company. But if you're not able to repay the entire outstanding amount, you can opt for settling debts with professional help.
We need to check if the lenders are licensed in your state first. So can you mention the names of the payday loan companies? See, if the lenders are illegal, then you can just pay the principal amount and get rid of the debt. Also, we need to check if lenders are the members of CFSO because in that case they have to give you an Extended Payment Plan.