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I got caught up in the payday loan trap over the internet. Having exhausted my options, I contacted the state commissioner of financial regulation who advised me that the payday lenders were illegal businesses and the collectors were not licensed in Maryland. I was advised that I didn't have to make any payments to these people. Unfortunately, they still call constantly and it's quite difficult to find a brick and mortar location on them. I've submitted them all for investigation, but I don't know how I can go about suing for violations of FDCPA or Maryland laws. Their practices are illegal and harassing, and they never give you a real address to send cease and desist orders. What could I do?