I have internet pdl's with SDS, Starcash Processing, Cash in a Wink, and DJR. I have tried to get physical addresses from them, but have only been able to get info for Cash in a Wink. I live in Nevada and I don't think they are licensed in my state. I am willing to repay my principal. Can they turn me over to collections? SDS has turned me over to monarch resolutions, they claim I owe $900 on a $300 loan and have accused me of bank fraud. I demanded a debt validation letter, but haven't heard back. Any advice or help would be appreciated.