I am not sure why you haven't closed the account and opened it somewhere else. It seems foolish not to do so. Payday loans are not enforceable. I am not sure if these fall into that category. You would need to disclose the loan facts and terms of the contract. I cannot give this kind of advice in a vacuum. See a local consumer lawyer for a definitive answer.
PLEASE NOTE: Although legal information may be conveyed in my answer, the information must be considered as preliminary, general, incomplete, and not based upon a complete set of facts, unless the information requests the reader to obtain counsel. Avvo is a forum to obtain a preliminary working idea as to how to think about a problem; it is not "the answer (or solution)" to your problem. Information rendered on this forum doe not create an attorney-client relationship and, because it is published on the internet, is not confidential. If real confidential legal advice is desired, you must contact counsel directly and sign a retainer agreement. Legal advice is ONLY given in the course of a formal attorney-client relationship. Exchange of information through Avvo's Questions & Answers is never confidential, therefore, do not disclose any particulars of your case which may prejudice you in the future. I am only licensed in the States of Pennsylvania and NJ and cannot discuss matters in other states.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.What determines Avvo Rating?Experience & background
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline