is there a sample letter that I can use to send my

I don't think there is a sample letter that you can send to the payday lender in order to settle the debts. However, once you and the payday lender agree for a settlement, then you should confirm it in writing before you make the payments. You can get a sample letter for the same at: http://www.debtconsolidationcare.com/letters/sample25.html

Are your loans even legal??? What state do you live in??

Stacie, please don't start multiple threads with the same subject matter, try to keep all your questions on the same subject in one thread. You have already received replies at the thread below:
http://www.debtconsolidationcare.com/forums/showthread.php?p=811936#post811936