You are about to be freed!!!!!
Thanks for the information. Zip19 is indeed illegal in all the states in the US. But, just to let you know, you have violated the TOS of this site by posting your email address here. This is a public forum, so please remove your link. If anyone wants to have the document, they can ask you here and then, you can send them a PM.
what about when they sell the debt to a collection agency and that collection agency reports it on your credit report?
Since the original loan from Zip19 is an illegal one, so you can easily dispute the entry on your credit report by the collection agency. It will be removed.