If your unpaid loans are sent for collections and the collection agency (CA) calls you for repayment, here's what you should do:
Verify the SOL
Check out the Statute of Limitations on the debt.
Request for debt validation
If the SOL hasn't expired, chances are that the CA may win a judgment against you and garnish your wages. So, ask the collection agency to validate your debt. Send them a debt validation letter.
Consolidate and pay off debt
Once it is validated, try to consolidate the payday loans to get out of debt faster. Repeat steps 1 to 4 as given above. Here the negotiation should be done with the collection agency and not the original creditor as because he doesn't hold the debt any longer.