I need directions to straighten a problem

took internet loan for 600.00 was paying,had surgery, could not return to parttime job,now only income I have is ssa. I can not make those every 2 weeks payments, I called to worked out a monthly payment solution,none was reached so I wrote and called per their contract to stop ACH withdrawals,they took my money even when these procedures were followed.They did redeposited my monies and I did not ask for reimbursement of overdraft fees,problem is they have done it again what is my rights.The loan was 600.00 interest is 795.470%pay back amt is 2490.Please help me.I am willing to pay and I have paid 3 payments totaling almost 500.00.I am able to pay for legal help on a payment plan.