i need some help. i am sinking fast.

Resident of california.
Current online loans with ameriloan,lakota cash,united cash loans.

Been doing some homework but I still don\'t know if any of these lenders are legal or not. I just cancelled my direct deposit with my employer and will open a new bank account. What\'s my next move. Should I call my loan companies and inform them I am in debt but will still pay the loans, just need more time. 3month would be perfect. Please advise me what to do. Total of loans principle is $1000.

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