I borrowed 700.00 from American Web Loan (PAyday Loans). They told me they would draft 200.00 biweekly until paid off. They didn't tell me it doesn't apply towards the principal. So far I have paid 2400.00. They said either I pay 1000.00 in one lump sum or they will continue to draft may payments until the end of August 2013. A friend researched and told me they are illegal in the state of CA. If I close my account ant stop paying can they enter a judgment against me, me home, credit, or garnish my wages. Help, what are my rights?Also, when I looked to check paperwork its nolonger availiable on the online account. Which they say is the only way to see them.