I have had a few people calling me lately with the same issue: they took out a payday loan and they did not pay it back. Now, they are being harassed by a debt collector and they want to take out another payday loan to pay off the first one.
Do NOT do this. Ever. Stop. The problem with payday loans is the interest rate. It can be over 80%. This makes it difficult, if not impossible, to pay it off. By taking out a 2nd loan to pay off the first loan, you are putting yourself in a cycle. You will then take out a 3rd loan to pay off the 2nd loan. You have to break this cycle.
If you are being contacted by a debt collector, you should talk to an attorney. You may have other options like negotiating to stop interest rate charges or lowering the balance owed. But taking out a loan to pay off another loan is always bad business.