You need to contact an attorney to handle this; this forum is intended for more general questions/answers.
I'd think you'd want to act quickly.
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Whenever you accept a loan for which the lender expects repayment, you must carefully review the loan terms before you execute the paperwork. Don't let any promise to cure your short term need for cash turn into a longer term bigger problem.
I don't know if usury laws protect you against your original lender. I am not entirely confident that Western Sky is subject to any State or federal jurisdiction. Perhaps a case can be made that soliciting borrowers in NJ should subject your lender to NJ's usury laws (as well as to other banking and loan regulations.) Depending on the seriousness of your situation you may want to consider bankruptcy. At this point I strongly recommend you bring all your paperwork to an attorney for review.
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