Need a letter indicating illegal loan in Nebraska

I am new, but have been reading these forums all day. What a relief! I lost my full time job, and will need to negotiate with some pdl's very soon in regards to remaining balances due.

I called the dept of banking and finance in Nebraska, and did find out that the internet payday loans I have are illegal. I don't want to "stiff" them, just want a decent rate to be able to pay them back.

Does anyone have a "form" letter I can either email or fax them indicating that I do know they are not supposed to be lending in my state?

Any help would be appreciated!