Credit repair

I live in Kentucky and read on this site that internet lending was illegal in Kentucky. I got a payday loan from zip19.com. After I paid it of course they upped the limit and I being behind on things took the larger amount. Long story short I ended up getting a $1300 advance and another one for $1600. I know it was stupid but I was desperate. I was on the verge of loosing my home and it's almost Christmas and I have three children. I lost my job a while back and have been delivering newspapers to try to stay afloat but things gradually fell further and further behind.

1. Seaside cash: took $400 loan, paid $75 so far. 2. Cash in a wink: took out loan for $400, have paid back $788. Sent letter to them about ach and only communicate through email or mail. They keep saying I have to call. They also send texts about making a payment. Please advice on how to handle. I have successfully gotten two loans deemed paid in full thanks to advice on this site.

I love this site and I am going through it and repairing my own credit myself.

But, I have ran into a ditch on something while reviewing my CR.

I had a GE Money bank credit card through Wal-Mart in the amount of $395, which I never paid and is showing up as 'Transferred/charged-off'. It was sent to a CA Portfolio Recovery where I paid the full amount of $395 to the CA.

I have found myself in a struggle with 5 payday loans now, I am ashamed to say. There was a time 3-4 years ago I had started posting on this website and I was rid of pdl's completely around 2010. I think I am going to need some support again and I am nervous.

I have 4 online payday loans, all taken within the last 6 months I owe around $1,500 total but I cannot continue paying these outrageous fees every two weeks. I closed my checking account on purpose. Now need to figure out how to repay them. Any suggestions. I live in Indiana. These are Payday Nation, Integrity Advance, One Click Cash, and Mobi Loans.

I have 3 collection accounts on my report. I want to know if i pay them off will they stay on my report as $0 balance or will it be like they were never there?

I have sent a ach revoke letter, closed acct and opened new one, told them I'm only paying principal and nothing else, it's like there ignoring me, they just sent me a notice that I'm late on my last payment and I'm accruing interest daily, I don’t know what to do? They won't respond, I also told them I'm not part of their tribe nor do I reside on there land, so there laws don't abide to me and that I'd only pay principal and nothing else, I've sent it 2x to them and have gotten nothing, no calls or emails, just that late notice?? What should I do?

Are sovereign advance and Brighton financial legal in Maryland?

I have a company calling me for an unpaid debt 13 years ago. It is not the same company collecting it is another agency.
Am I still going to have to pay it?

Ive send them letters to investigate so called debts, and they refuse. Ive even send them copies of letters, and cerfied mail receipts showing that the debt collection agencies, didn't validate the debts in dispute....