Hi-
I currently live in Arizona and have 3 payday loans that I can't pay. I am embarrassed and ashamed that I've gotten myself into this trap. I can no longer afford to pay these. I have already closed my bank account so that these PDL lenders won't access to my account any more. I have yet to notify them of my account being closed and to not contact me via phone. Before I do I would like to know if these lenders lending illegally? And if I have any room to negotiate or settle these accounts since they are illegal to the best of my knowledge?


