Unable to pay

I sent the letters, changed my accounts and have not answered phone calls. United cash loans left voice mail that they sent me a settlement and to call them but I only received a settlement offer from star cash processing for original principle. Which I have ignored for now. Now cash call was originally western sky who "sold" it to cash call and they call ALOT. It has slowed down but they have sent me my contract and continue to ask me to call but won't send me any payment options via mail or email. What are my next steps????? All 3 have turned down my offers to repay them on my terms.

The first 2 lenders you listed are illegal. You owe them ONLY principal, no interest or fees. Follow the detailed instructions here to deal with them: http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
Cash Call is a bit of a zinger. Was the loan originated by Western Sky or directly by Cash Call?

Revoke ACH authorization asap. Send a revocation letter to the illegal payday lenders and a copy to the bank too. If you still owe the principal amount, then make payments via money order.

Sent letters to all 3 and 1st two have stopped calling. But after sending letter via email to Cash call they sent email back saying they have options but only if I speak to them by phone. I emailed back to please send all options in writing to me via nail or email but so far no response all they do is call. They have called me from 10 different numbers and 10 different states. I received3 calls just this morning. What do I do now?

All of your lenders are illegal. You owe nothing more than the principal. Close down your old bank account and open a new one. Ask them for the refund, if you have overpaid them.