PayDay Loans

Hi ! I live in Illinois and I have gotten got up in the rat race of payday loans. At one time I had 5 of them at the same time. It is easy to borrow, but hard to pay back. I have two loans that I am paying on the first loan through a collection agency and that is working fine. The second one agreed to let me make payments. When I proceeded to send in my payments they returned them and said that they could only accept the full payment. If I couldn't pay in full they would turn me over to collections, well I have not heard a thing from them in six months. One day last week they put in an ACH debit payment to my checking account for the 360.00 I owe them. I stopped payment on it. Now I am wondering what will happen next. Could I go to jail for that? I am really scared and struggling financially, but I really will pay them back if they will let me.

Any info would be appreciated.
Thanks