It's now 2 days after my conversation with "Brian" at Rt. 66. He has not called back, and I have not called him. I think I will wait these jerks out and see what they do. I will file with the AG of my state to sic him on their tails, and with the fine info provided by this wonderful site, I will have plenty of address info to give him to work with. If "Brian" or someone else calls me again, I will inform them they are out of luck - I will pay them a grand total of $23, which is the difference between what I borrowed and what I've paid so far, but no more than that. They can threaten all they want - they are powerless because they are operating illegally in almost every state in the union.
I AM THE DEBT-DEFEATING WOMAN, HEAR ME ROOOOOAAARRR!