Payday Loans and Town&Country

Okay, I'm very grateful that I found this site and got some good advice but I did run into some problems and need some more advice! I paid my retainer fee to Town and Country and I think they are a little slow. All these pdl people have been calling me at work and threatening me, saying I'm avoiding them. Well, my phone was dc'd because no money to pay phone bill. Okay, I wired T&C the retainer fee they requested for me to get started and they said they could contact my creditors. The pdl people said they haven't heard a word from them. To make matters worse, my bank won't close my account until I'm at a zero balance. I was almost there, but EZMoney split my one payment up into four smaller payments and they all bounced. More OD fees now and it states in their contract they would not run it through more than twice-they certainly have. At this point, I'm wondering if I haven't made a mistake with T&C and should find a good attorney instead. On the other hand, I just started with T&C. I hope this post is understandable--too emotional lately! I really don't know what I should do.