Credit repair

Is Cash Web USA legal in Florida? They are asking to pay $729 on a loan of $600. I have paid $400 till date.

If I take out a payday loan from an offshore company, then will it be a legal loan or illegal? Do I need to abide by the contract?

Please tell me how to fix my credit in a short span of time.

I am being sued by Unifund.
I received a summon last week.

How do I answer a summon correctly?
Do I need to go to the courtroom to file the answer? I can't afford a lawyer so I am doing it myself and want to be sure I do it correctly.

They are sueing me for old credit card debt and other fees etc. 1500+

It would not log me in last time. SO here is my post:

Hi recently got a call about getting sued by legacy visa for credit card debt about 5,000..I was freakin out cause I don't have that money during this hard times..they said they would settle for 2000 paying payments of 400 a month I can make that payment this month since I had money saved but afther I can't...I gave my bank card info so they can deduct this every month...can I stop the next payment and call them to try and get a lesser monthly payment...

I am trying to find out if National Cash Lenders is legal/illegal in the state of TX. I took out a loan of 400 dollars, and I have already paid back 400 dollars....they are now saying that I have a balance of over 400 dollars. I thought that I read that they were illegal in the state of TX...how do I go about finding this out. Again it was an internet loan, I live in the state of TX, and the company is National Cash Lenders.

I live in Arizona and have 3 payday loans through the internet totaling around $1600. The 3 companies are payday max, my cash now, and advance me today. I know Arizona law states there is no payday loan allowed. But since this is done over the internet can I legally stop paying on them. I have already paid 600 on a 300 loan with advance me today and still owe 200. I am about even with –payday max in the amt of fees and principle and still owe 500 on a 620 loan. My cash now -I have paid 600 in fees on a 800 loan. Can I just pay back the principle on these and call it a day?

Does anyone have a mailing address or know where I can find address's for the following pdl's: Eastside, Advance Me Today, Cash Yes and Everest VIP.

I have several pdls that are from lenders that are unlicensed in my state-Texas. They have been turned over to debt collectors. I understand you own the amount you borrowed from these companies but how do you deal with the collection agencies that are requesting more?