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Major bummer and I'm sure you're scared. I'd recommend several things. Number one, I'd secure a new bank account, one that the payday loan businesses don't actually have access to. That way, you can work on paying back the payday loans without them debiting your account at free will. If they debit your account when ever they want to, you stand a risk of overdrawing your account and creating a massive snowball effect that can really hurt you.
Once you've opened a new account (usually within a day), close the other and advise the payday loan place that you have every intention of paying them off, and that you are willing to establish a pay off schedule with them. You need to determine how much you can afford to pay each month and then bring that figure to the bargaining table when talking to the business.
When paying the specified amounts, I'd recommend paying with Money Orders (the cost .75 cents at most grocery stores) that way you have a record of the payment on your end (usually the money order stub) and also this way you can ensure that the payday loan establishment doesn't get a hold of your new account number.
Keep paying until you can pay the loan off. It will hurt, but you got yourself there in the first place. Negotiation and commitment are the only ways you're going to clean it up.
I hate payday loan places, I too was in your shoes not less then 6 years ago. Since then I've been an active member in my community petitioning to my local and state civil servants to close these places down. They do way more damage than good. Good luck.
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