Paydayday loans in default

I dont believe so, but we can probably help you here.
Please tell us who you have loans with
How much yiu have borrowed
How much in tital you have repaid to each lender
Are yiur loans internet or store front
What state do you live in

I have 4. $740.00 with Magnum Cash, 700.00 with CashNetUSA, 500.00 with Geneva-Roth Capital and 200.00 with Cashin30minutes. All internet.
Magnum cash breaks it down to 4 payments equaling 284.00 each of which I have made one payment. I have not paid anything on the loan with Geneva-Roth yet but have done several loans with them. Cashin30minutes, I have only made one interest payment of 50.00 and I have paid 140.00 in interest to CashnetUSA whom I have use numerous times always paying back.
Mine are all internet and I live in Nevada.

Correction on CashnetUSA. I have paid them 262.00 on the present loan. i have carried it over twice.

I have another question? Has anyone ever hearded of Quickclickloans. Can't believe I was stupid enough for this one,(yes, I can. I was desperate!!!

You will find the Payday loan laws for Nevada here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Are all these licensed to do business in the state of Nevada, looks like they don't have strict laws.

Cashnet usa is licensed
Magnum and geneva I believe are not

Please excuse my ignorance but if they are not licensed then what is my recourse. Also do you know if quickclick loans is licensed. I borrowed 1500.00 from them 8 months ago and have paid 107.00 a month since and still have 16 months to go. I don't think I added that one but I still believe it falls under payday loans. Also do you know whether cashin30minutes is licensed? I appreciate all the help you are giving me and am in a panic as to what to do. I know I am going to my credit union on Monday to see what can be done and I have credit card debt that I want to consolidate but right now I need to understand these payday loans and do something about them in order to pay my rent.

Quick click loans is licensed and is an installment loan, not a payday loan.

Quick Click Loans is very very similar to Cash Call . . . . They are nasty, and they will sue you if you don't pay them.

Please explain to me what happens if a payday loan is not licensed.

Depending on your state, if a lender is not licensed by your state the loan is not legal. Some state's allow lenders licensed in other states to lend legally, some don't. But if the lender is not licensed anywhere, then the loan is not legal.

So if the loan is not legal am I obligated to pay other than morally and if they are not legal in my state then I would assume they are able to sue me.

It depends on the state. It some states the laws specifically says that any illegal loan is null, void, and uncollectable. In other state's the law isn't so clear and it is still possible for the lender to collect. It's not really so black and white.

And it's possible for anyone to sue anyone. So just because it's an illegal loan doesn't mean they won't sue. It has happened several times that I know about where an illegal loan lender has sued someone. The question is more like will they win in court. That also depends on your state's laws.