How should I pay back my loans??

I have recieved great advice from some of you on payday loans. I had to close my checking account. Made arraingments with my store front loans. I am in the process of getting a letter to pay day lenders online. I am not sure if in the letter I should state how I will pay them back. Also do I pay back online lenders when I can pay what I owe in full or make small monthly payments a month ( these are already half way paid off). I may be able to pay off one a month if I don't make small monthly payments. I had US Cash advance call me at work today. The lady I spoke to stated I went to collections because I am two days late on my payment. I also have a huge interest for two days. I stated I had to close my account due to unathourized transactions. I told her that if she gave me an address I would send a payment via money order so I could have records of what I sent. She stated I could only pay with visa, mastercard or pre paid credit card. That money orders will not work. I have no credit cards and if I did I would not give them the numbers. With a pre paid credit card I dont have a paper trail of what I paid. Any advice.