That depends on the state where the money was loaned. As for my state, the State of Califronia, there are specific laws that govern any type of payday loan, on line or not. Many people do not know that in California, they cannot "automatically" renew your loan every two weeks and take $90+ dollars and call it interest. In California, they can only charge interest in the amount of $17.50 per $100.00 borrowed, and they cannot "renew" or continue to charge interest every two weeks. This number is a scam, and anyone who knows anything knows that in order to sue you, civil or criminal court, they have to FILE IN PERSON, and you have to be LEGALLY SERVED!. They cannot call in a lawsuit, nor can they email it in.
This is a criminal extortion ring operating out of India. ABC News released an investigative report on it in June. The FTC has indicted one of its ringleaders for criminal fraud:
In the meantime, you are going to have to do whatever you can to protect yourself. That includes letting them know you are aware they are running a scam and are reporting them to the authorities.