me and my wife have payday loans out there we need good lawer

You need to speak with a local consumer rights attorney.  There are various federal, local, and state consumer protection statutes that may protect your rights and a local consumer rights attorney will be able to determine which laws apply. Please see: http://www.martindale.com/Results.aspx?ft=1&frm=freesearch&afs=consumer%20rights%20california   This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.