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Are all tribal loans illegal or does it depend on what state you live in? I am in Texas and I have three payday loans that are from tribal lenders; Spotloan, Majestic Lake Financial and Loan at Last. Are all of these loans illegal? If so how? I'd like to be able to explain that in my letters as I have already paid off the principal loan and then some on all three. Am I entitled to get some of my money back? Any help is appreciated!

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