I got a Internet payday loan, and I recently found out it is illegal for an Internet payday lender to loan me money, if they're NOT licensed to lend in my state. They KNEW I lived in Indiana, and when I signed the documents, it was KNOWN that I live in Indiana. My questions is, I have paid the principle of the loan back PLUS some.... I stopped any and all ACH. Does the lender's State laws prevail (Delaware) in this situation, or do Indiana State Laws prevail (because I live in Indiana)?