I have $3500 in debt

Yes it does matter if they are licensed or not. I am going to go through and delete the other multiple threads with this topic.

Do you have residency in both areas? Because if you reside in Maryland, then payday loans are prohibited and illegal. What that means is that these companies loaned you money illegally and they shouldn't have. You are not in trouble, rather they are the ones who would be at fault. You need to close your account and open a new one and file complaints with your state's Attorney General's office. How much have you paid these companies back, it may be that you have already paid the principal back in roll over fees and should demand in your statement in the complaint that the only resolution to the matter would be for the companies to mark your accounts as Paid In Full.

are you crose also? I posted on that post.

Yes it is the same person, earlier they had posted the same thread over 20 times.

thought so that is why I didn't post, are you deleting this one as well?

No, I was going to just leave it. I don't know who helped delete the other eighteen earlier, but a BIG thank you to them.

I thought I had only sent it once