I did not know all the scams out there with internet pay day loans. I took one out with Green Picket.com. I cannot pay it back and learned they have a Wage Assesment attached to this agreement. Their address is in Malta, after I called them. What can I do? Are they legal in the state of Arizona where I reside? If they try to garnish my wages, I will get fired. I work for a very strict conservative company. Are they legal?