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Payday lending is prohibited in New York. Thus, you're not liable for paying any fees or charges to the payday lender. You can simply pay off the principal balance and get rid of the payday loans. As payday lending is prohibited in your state, the lender won't be able to take any legal actions against you.

so Anna what do i do? do i can them and say im just pay the principal. i dont want them to keep debting my account

You should pay them the principal and let them know that you won't be paying anything else as they are illegally operating in your state.

Payday loans are prohibited in N.Y., which means the loans are actually void and null, they can't collect on them because they aren't enforceable in a court of law. However, you really should pay the amount you borrowed, but you need to close your account because otherwise they will continue to debit your account, and worse than that they will sell or share your information to other illegal lenders!

[URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders. You might start receiving phone calls from unknown callers stating they are a collection agency, law firm or even some type of legal entity that is going to charge you with fraud, but don't believe a word of it. The bottom line is, these companies have issued you a loan illegally and they are Internet criminals, they will stop at nothing to scam you out of your money. So I will provide you with another link on how to deal with collection calls, this way you will be prepared!
[URL=http://www.debtconsolidationcare.com/forums/showthread.php?p=800358#post800358]CLICK HERE[/URL] to find out how to deal with collection phone calls!