<prompt> Human: So Ive got a question about how to best deal with payday loans... First of all, I know they are a terrible idea. The reason I ended up in this situation is because I am a drug addict. I have since stopped using, and am in the phase of recovering from the damage I did during my last run. Hopefully, you guys will not be too judgemental as far as that goes...So in order to pay my rent, I took out a payday loan about a month ago, while I was still using, for 500, with 55 dollars in fees, not so bad. I am employed and make ok money So thats alright. Ive been paying it in full and going back the next day and renewing it just to keep up though.The real issue I have is that I also took out an online payday loan, for 400, which has interest of 185 dollars that renews every two weeks! Due to this, I have been unable to catch back up, and am literally just paying the 185 in interest every check and making no progress on getting rid of it... Just because I have all the typical bills... So Ive worked out that I will be able to get out of this hole, slowly, since I have managed 5o completely stop using any of my money on drugs, thank God.My question is this... Arent there any sorts of laws that keep them from charging such exorbitant interest fees? I am in Florida, and all I can find are the regulations for payday loans here, which the first loan I took out actually follows. Are these online ones immune to that stuff? What is the smart way to go about fixing this?I have already paid 185 to them 3 times, which is more than I even borrowed in the first place, and they are obviously content to just Bill me the interest indefinitely... Like today, I got paid, paid off the first loan, paid for my car, and paid the interest on the second loan, and I have 100 dollars left. I dont get paid for 2 weeks, and have my car insurance, cell phone, student loan rehab payment, etc, coming before my next paycheck. So Ill be back to get the 500 dollar loan out again tomorrow morning... Im stuck in a very difficult cycle here, any advice is truly appreciatedEDIT: So I did a bunch of research quick after posting this thread about loans in FL and heres what I decided to do.I went to a different bank and opened a new account and will be switching my bills and direct deposit over to here. For the time being, that will prevent them from having access to my money and allow me to feel a little less pressure. In the end, I am still not totally clear on whether they could take me to court or not, but I will figure that out in the meantime and by then will have some money saved. What else do You think I should do based on that?  <response>: At THAT high feeinterest rates you could consider missing payments on something else just to get rid of that balance ASAP, they are not gonna repo your car or turn off the electricity for a two week late payment...I am not saying that missing payments on purpose is healthy, and you should think long and hard about it, but if you say forgot a car payment in order to pay off the loan. then in two weeks when youve saved 185 bucks, you can use that breathing room to catch up on all the missed payments.Even if they charge you a late payment fee it wont be 185... 