hello..im in fl. and so i believe payday loans are leagal here, unfortunately. i took out one for $300 and payed back $560 before i had to cancel my account due to them still takeing money out..pay-off (1)..april this year i payed it off again to a total of $900..it was taken out in '08..i payed it off to DORSEY THORNTON AND ASSO. out of georgia, which is a scam..now empire asset solutions are going forward with civil crap on me..in a state where this is leagal ..what are my options?..thanks