jhs marketing from Utah

JHS MARKETING -- this is one of 8 lenders I am dealing with. I got a PIF agreement from 2 of the 8, an offer for a refund from one, but I had never paid this lender JHS so I needed a payment arrangement. (My job is slow. I am currently 1099'd and my boss pays me when she feels like it - hence the loans in the first place. I am trying like heck to clear all this up since I have a new, much better job I start 9/1.) .

I since found out I only owe them the PRINCIPAL that is $300. since I live in NJ and ayday loans are illegal here.


When I go to email them that they are only owed the $300 and try to make arrangemnts on that and ask for an address I get threats like if my payment from my checking account (which I closed by the way) comes back to them tomorrow, they will SELL my loan immediately to collections.

So then I say i will call you with a debit card, for at least most of the balance and she says no they dont take debit cards and I am going to be marked as defaulting. Her name is Amy and she sends essentially canned type responses she probably types 100 times a day

Then I offer to mail a money order or do a Western Union Moneygram online and that I need their address and she REFUSED TO GIVE ME THEIR address until I run and buy a money order for $390 (the 300 I borrowed plus $90 fee), make a copy of said money order send it to her and then and only then will she give me their address! Is that legal??? She claims if I don't do this by what is actually 10 mins ago I am in hot water and my account is in collection.

I have an email string of about 20 emails back and forth today where she refuses to let me pay just the principal and says it doesnt matter if I am located in NJ, I signed the loan online and am liable for the full 390.

p.s. I sent them a cease and desist earlier today and she respondeed with "we do not read form letters".

GRRRRRRRR