I took out internet payday loans trying to get ahead of bills. After I consulted with a debt management counselor I found out that payday loans are illegal in New Jersey. I believe that the company is not licensed to lend monies at the fees that they charge. I sent a revocation of ACH and they replied with a letter saying they are only halting communications and collections until the case is investigated. They told me they are in Canada and their laws prevail. I don't understand that because I live in New Jersey I didn't go to Malta to get a loan.