Hi, the first thing I did when dealing with pay day loan issue was to close by bank account, so they could not take money from my account and then I emailed each one of them, detailing my financial difficulty and asked them to freeze the interest on the loan to prevent further charges and I offered them a small amount every month. They agreed to this and after one year, I was pay day loan free. I had to deal with over 8 companies and they all agreed to this solution. Hopefully, this will help you in your current situation.