What can online payday companies legally do?

I have two online payday loans and every week they expected me to pay $400. I was recently out of work due to employee cutbacks. I have a new job now and I am scared they will try to garnish my wages. I went online and found a company that will help me consolidate these loans into one monthly payment but the payment is high. With rising cost of everthing it is difficult to just maintain the necessities. I know I owe the money and I am willing to pay them but I find it difficult to budget what they want for payment. Is there anything that I can do differently? Is there anything that these online payday companies can do other than garnishment? Do you think they will even go that far? It is MyCashNow and CashNetUsa. Does anyone know anything about these companies?

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I live in NJ so car insurance is expensive enough. I wanted to finance a used car, i would put down around $2500 and finance the other $7500. But when you finance a car you need collision insurance. Is it cheaper with a used car? I don't think i can afford both!

What can online payday companies legally do?

https://www.linkedin.com/pulse/oklahoma-home-insurance-rates-benjamin-burns/