Legal Question in Credit and Debt Law in Pennsylvania

Never ever do this again.

First payday lenders, if legit, must be registered in PA. Contact the PA Department of Banking to see if they are.

My best guess is that this is an overseas lender which does not have a valid US address. In such case, you do have a moral duty to repay.

You can either save the money and see if a legitimate collector comes to get it in which case you can resolve.

Or you can simply not pay. They will call you and harass you. They do not abide by the debt collection laws so the usual tactics of writing them will not work. They will also call and threaten you. Do not believe what they tell you (they lie!).

If you don't have the nerves to handle the onslaught then get a pre-paid debit card like at Wal-Mart. Put enough money on there to cover the payment to the payday lender and give them the information. Keep doing this until the loan and the exorbitant fees are repaid. That way, they cannot go on a raiding expedition of your bank account. Never ever let a company come in and access your bank account when they feel like it. Using a billpayer service is great so long as you get to decide who, when and how much gets paid. No autodrafts though as that is asking for trouble.