Was this done in person. Over the mail. Over the interent? Did they know where you lived when they gave you the loan? Did you sign any documents indicating that you were from a state other than New York? Sorry for the questions, but it does matter.
If you'd like to discuss, please feel free to call. Jeff Gold Gold, Benes, LLP 1854 Bellmore Ave Bellmore, NY 11710 Telephone -516.512.6333 Email - Jgold@goldbenes.com
You need to consult an attorney to protect your rights. Payday loans are generally structured to charge outrageous rates of interest, and while the lenders try very hard to stay within the usury laws, but they may well fail. You should keep all copies of anything you receive in writing from these debt collector attorneys and review it with a consumer advocate. Good luck.