I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity. 
