Sonic/Northway Financial/E-Care

Greetings,
I have been reading this forum on payday loans for days now and have accumulated great information from you all. I have two pdls thru Sonicpayday.com/Northway Financial/E-Care. I will provide all information so that I don't waste your time.
State: Virginia
PDLs are legal but I did not see this company as being licensed in VA. They are strictly an internet loaner.
I called a consolidation company yesterday and they offered to help me for 30% of my debt, which is over $1K! I had a pdl that was due to be paid on 6/10/11. My account was compromised by someone I know - in fact this whole nightmare began because boyfriend found out about me using pdls to meet our bills. He wasn't having it and took out $ from the acct the morning of 6/10, which caused my loan to not be paid. Since I have a good history with the company, they allow me to request a new loan the same day. So, as you all know the game, I applied for another loan on 6/10. I found out Saturday morning that the acct was cleared, in fact I was a negative -135.00 with NSFs.
Knowing that there is a 48 hour cancel policy, I faxed notice to cancel the loan immediately. Sonic wrote back an email and said that the $ of $1400 was already issued. No problem, I deposited enough money to get a positive balance and if the $ deposited, they could just debit it out. Not what happened. Monday morning I checked and sonic had deposited the $1400 and it had already been taken out by now my ex. I immediately went into the branch and closed the account. Then I opened up another account at a different bank. Regardless of what happened, I know the money has to be paid back. I am not in a good place right now and although I explained the situation to e-care who is the first company to enforce, they just want the money. I now owe them around $3,000.
These people are ruthless. I have asked that they stop calling my work, but they still do. I am writting letters tonight to send to them. Has anybody had a good response with this company. Although I'm giving this problem to spirit, I know that I must use my free will to make it right. Appreciate any advice and I apologize if it is repeated information.

Thanks,
Jen