I live in Ohio and have an internet loan with cashnetusa.com. They are legal in Ohio. I defaulted on my loan, wrote them a letter explaining my circumstances and proposed a payment plan. My principal balance due and owing is $600. They responded back by saying, "We have received and noted your request for ceasing all telephone communications. All telephone communications will now cease. All our communication is done via email or over the phone. Since we are an online based company, we do not respond via postal mail.