I just recently found out that payday loans are illegal in my state, however I didn't know this information before I got the loan. But since then I was advised to file a complaint against the payday loan company with the attorney general's office in my state. They told me not to have any contact with the company and to basically not worry about it b/c it was illegal for the company to even give me the money when it's illegal for payday loans in my state. I was recently contacted by the company with a msg on my voice mail ( after not hearing from them for 2months) stating that if I don't pay on my loan it will be going into collection......Although the attorney general's office advise me not to worry about it I just want to get some more advice on this issue. I'm not sure if I don't pay will they report on my credit score....????