Hello, it's been awhile since I wrote on this particular board. back in maybe March/April, I was overwhelmed with several loans. With the help of this wonderful board, I have settled with most. The only one left is Geneva Roth. I have taken many loans out with them in the past. (They said since 2006). I have paid thousands in illegal fees. The last loan I took out was for $500 and I have not paid anything on it because I than shut down my bank accounts. I live in NJ and it is my understanding that these loans are prohibited.