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Payday lending is illegal in New York. To get out of the payday loan problem, report them to your State Attorney General. If you need to pay them, you will have to pay back only what you borrowed, that is the principal. You need not pay the additional fees or interests. For more details refer http://www.debtconsolidationcare.com/new-york/paydayloan-illegal.html .

A very smart move to close your account, if you get a new account do not give any of these lenders your new account information! There is a step by step guide on how to deal with illegal lenders CLICK !