got caught up on high interest pay day loan could

You will have to contact the individual creditors and negotiate with them for settlement. If you're unable to negotiate with your creditors on your own for a settlement, then it will be better to take help of debt relief companies in this matter. They will negotiate with your creditors on your behalf and settle the debts for you.

Please provide the following information - it may be that your payday loan is illegal.
State you reside in
Name of payday lender
Amount of loan
Payments made so far

If it's an illegal loan, you are only responsible to pay back what you actually borrowed.