I am writing to find out how can you find out if a payday loan is legal in your state. I am concerned because I have also fell vulnerable to pdls and now I am trapped by them. I want to pay them back, but they are not willing to negotiate with me. I deal with usfastcash.com, 500fastcash.com and discountadvances.com. They are not willing to allow me to work things out so that I could pay them off. I offered to pay the fees, and then break the principle into two pymts, but they declined and said that I would be renewing if I just pay the interest fee, which means it would be an ongoing thing withdrawn from my account. So I need to know if they are legal in louisiana.