nee help with payday loans

Your first step is to register with the forum. You will get emails when your questions are answered.

Secondly, what state do you live in?? Who did you borrow from, how much did you borrow and how much have you paid back???

Bad idea. Rather you find out if your lenders are legal and licensed to operate in your state or not. Just talk to the state finance department. They would be able to tell you.