are these payday loans legal in Indiana

All those are ILLEGAL and MTE affiliates.

All you owe is the principal borrowed.

okay, this may sound silly but what does MTE stand for? should i secure my bank account and then call them? what is your advice?

Do not call them.

Secure your account first and then send them letters stating they are illegal.

You only owe what you borrowed. Any fees or charges you have made apply to that amount.

You can find a sample letter here. Scroll to the 13th post to find it.

You need to change it to you information and state laws.