I had taken out a PDL from what I thought was Cashnet USA back in 2009. I live in PA and know that PDLs are illegal in my state - but after reading all the info on this site, I thought that this PDL was legit and legal. I was unable to pay oany of this debt off and jsut received a letter from a third party lender First IRS stating that I owe $812 (on a $400 loan). I am sending them a DV letter - but I am now also wondering if the original loan came from an illegal lender. How would I know if this is the CSO of Cash Net USA or some crazy PDL company? The deferred deposit loan agreement states that Cash America Net of Nevada, LLC is the licensed lender.