will the credit card companies cancel our cards if we pay them off.

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Thanks for your reply Soaplady. Yeah…they were past due.


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Were they past due? What you are saying is not clear. 

If they were past due, they are probably already closed.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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