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Sep 30, 2011 “If someone makes you a loan that's illegal, either because they don't have a license or they violate usury laws, you're not under any obligation to pay it back,” said Norman Googel, an assistant attorney general in West Virginia. Googel advises all borrowers who might be tempted to get a payday loan 

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Mar 31, 2010 - 10 minI think most of us have a sense that payday loans are probably not the best source for a loan