I live in Florida. I have paid two of the 4 loans I took out to get my kid to college. I just found your page and I'm delighted.
I got 700 from Cloud9 Marketing, who has no land address listed that I can find. Funds were deposited on 1/8/2013. I have paid $1029 to date. The other loan was issued 10/3/2012 in the amount of $2000 and, to date I've paid (OMG) $3805.23. This one is listed as being located in the Antilles, I think.
If neither of these are legal in Florida, I will send the letter stating I'm finished paying them and be done with it.