have internet payday loans and should I close my a/cs.

Welcome to the forum...we will be glad to assist you...can you please list each loan, how much the loan was for and how much has been given back (payments, fee's whatever). Unfortunately the only way to stop the debits will be to close your account. There is some very important info on that...click on the notes at the top of the 1st page of this forum.
Here are the laws for your state:

please find your state info here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

TN doesn't license companies not located in TN. What this means is that internet based companies can lend to TN residents legally as long as they are licensed in another state. They would also follow the laws of that state.

Please read this thread about some important information you need to know before you close your bank account:

http://www.debtconsolidationcare.com/paydayloan/close-account.html

Here are the loans and what i have paid on them

Payday Island Loan $300 Paid $360
Payday One Loan $500 Paid $575.00
Payday Select Loan $500 Paid $597.85
Payday OK Loan $500 Paid $480.02
Fast Bucks Now Loan $350 Paid $800
my cash now Loan $370 Paid $358.31

I also have the following loans but I have to research to find out what I have paid them

Paper Check Payday Loan
Ten Dollar Payday Loan
Apple Fast Cash
United Cash Loans
ameriloan
Magnum Cash Advance
Paycheck Today

I also have some storefront loans out here in Tennessee and need to know what I can do about those.

Thank you so much for your help.

The storefronts loans are most likely going to be legal. Check to make sure they are charging you correctly.

Technically it is not an interest rate but service fee and this is how it works. The fee cannot exceed the lesser of 15% of the check amount or $30. So if you have a check amount for $100, the service fee would not exceed $15 (15% x 100). Keep in mind the fee is on the check amount, not cash amount.

Keep up communication with the storefronts. That is key since they could sue you. You will want to set up some sort of payment plans with them.

Out of the internet loans you have, I know that Payday One is licensed. The others most likely aren't licensed anywhere.

The first step is to take care of your bank account. Please read this thread:

http://www.debtconsolidationcare.com/paydayloan/close-account.html

I will go to my bank today. Can I do anything about the sites that are not licensed and if so what should I do? I have read on here about a cease and desist letter and was wondering if I should do this and where I could find the letter. Thanks again for any help anyone can give me.

The ones that are not licensed anywhere are operating illegally. I would only pay them back the prinicple amount and not a dime more.

You can send them a cease and desist letter, but it rarely works. There is a link at the top of the page that says "Do it Yourself". If you go to that there are a bunch of example letters.

How go I find out if they are licensed?

On the internet loans that are not licensed: File complaints with the BBB and your state attorney's office, sometimes they can help you mediate closure.

It's a bit tricky, because they can be licensed in any state and be loaning legally. My first step would be to call them up and ask what state they are licensed in.