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Blue King Inc. is a tribal lending entity wholly owned by the Picayune Rancheria of the Chukchansi Indians, a sovereign nation recognized by and located within the United States of America. By utilizing our website, you are conducting business on the Picayune Rancheria of the Chukchansi Indians through Blue King Inc. and are subjecting yourself exclusively to the laws and jurisdiction of the Picayune Rancheria of the Chukchansi Indians, a sovereign Native American nation.This is a tribal lender. Usually these businesses are attached to the tribe in an informal way either because the owner is a member of the tribe or the company is sold to a tribal community and still operated by the original owner. The terms of the agreement that you signed are likely in violation of the basic consumer rights of your state. Payday lenders have been using this snarky tactic to abstain from following state and federal guidelines for lending. The phrase "is a tribal lending entity wholly owned by the Picayune Rancheria of the Chukchansi Indians, a sovereign nation recognized by and located within the United States" is going to be used a lot by them. Be prepared for that. You need to check with your state first regarding the legality of payday loans. If they aren't even legal, you can stop right there. Blue King should not have lent you the money and you only owe the principal under a moral [not legal] obligation. If loans are legal, I bet a pretty penny they aren't licensed in your state. Furthermore, I bet the interest rates they have charged are well above what your state caps consumer interest loans at. Being unlicensed and lending money at rates over and beyond what has been legislated in your state is illegal. That will also put you back into the same situation where the loan is illegal and you simply owe the principal. You can't be sent to the tribe to stand trial or go through arbitration with the tribe over the loan. You are not bound by Indian law and are protected by the consumer rights of your state. There are plenty of cease and desist letter templates along with ones to revoke any ACH agreement and wage assignment you agreed to with the terms of the loan. Use these and contact your bank since you will want to close the account and prevent access to your funds. Have you paid anything? If you have paid on the loan already and that amount exceeds what you would paid out in principal demand a letter stating PIF. You don't owe them another cent. If you still owe on principal, again it's a moral obligation and they still can't legally come after you for it because they engaged in deceptive lending practices and are trying to hold you to a contract that isn't worth its weight on the paper it was printed on. There are no known consumer laws on the books within these tribes, so what they cite could be whatever they think of that day.