Payday Loan Nightmare in Michigan

Michaigan doesnt allow rollovers and only one loan time....sounds like all of your loans are possibly illegal...even the store fronts should not be rolling over. Follow the link in my signature line on how to deal with illegal loans.
Michigan Payday Loan Laws

State Legal Status
Lending of payday loan is considered legal in the State of Michigan.

Loan Specifications

• Maximun Amount of Loan - $600
  
• Term of Loan - Maximum 31 days
  
• Maximum Rate of Finance and Fees - 15% interest rate on the first $100 loan; 14% interest rate on the second $100 loan; 13% interest rate on the third $100 loan; 12% interest rate on the fourth $100 loan; 11% interest rate on the fifth $100 loan; 11% interest rate on the fifth $100 loan + fees for any database verification
  
• Finance Charge on $100 loan for a 14 day period - $15
  
• APR for $100 loan for a 14 day period - 390%
  

• Maximum Number of outstanding loans permitted at a time - 1 with licensee/ more than 1 with any other licensee
  
• Permissible number of Rollovers - None (Renewal cannot be done; extension can be offered by the lender if and only if it doesn't charge a fee.)
  
• Repayment Plan - Yes
  

• Collection Fees Amount - 1 return check charge of $25
  
• Criminal Action - Prohibited
  

• Regulator - Michigan Office of Financial and Insurance Services
  
• Address - P.O. Box 30220 Lansing MI 48909
  
• Phone - (877) 999-6442
  
• Fax - (517) 335-4978