I live in Arkansas. I had taken an online payday loan with MTE, and due to slow work, defaulted. On advice from my bank (to stop nsf fees), I closed that account, and have not opened another one. Now, EAD Group LTD, from Columbia, So. Carolina, has taken the loan, and wants payment. They have offered to drop the past late fees, and make arrangements. They want me to use a debit card or credit card, which I have neither. When I asked to use a money order or western union, they said they will not accept payments that way.