YOU ARE ABSOLUTLY RIGHT. PDLS ARE NOT LEGAL IN SOME STATES BUT ARE IN MANY STATES. YOU DON'T NECESSARILY HAVE TO RIGHT A CHECK TO GET A PDL BUT YOU DO HAVE TO HAVE A VALID CHECKING ACCOUNT WITH AN ACCOUNT NUMBER WHICH IS REQUIRED AT THE TIME OF APPLICATION FOR THE LOAN. DO YOUR RESEARCH PPL, COLLECTING ON PDLS IS NOT ILLEGAL. STOP THINKING THAT THESE PDL COMPANY'S ARE IN THE BUSINESS OF GIVING AWAY FREE MONEY!!!!! IF YOU TAKE MONEY , IN WHICH ITS CALLED WHEN YOU DON'T PAY IT BACK, BE PREPARED TO HAVE SOME REPROCUSSIONS BEHIND IT. IT'S ONLY CONSIDERED BORROWING IF YOU PAY IT BACK IN WHICH YOU PPL CLEARLY ARE NOT DOING SO STOP COMPLAINING WHEN AN AGENCY CALLS YOU TO COLLECT WHICH IS RIGHTFULLY OWED!!!!!!!! AND BEFORE I FORGET TO ALSO INFORM YOU PPL, COLLECTING ON PDLS IS NOT ILLEGAL IN ANY STATE. WHATS SAD IS THAT THESE COMPANY'S HAVE TO GO TO THESE EXTREMES OF COLLECTIONS TO GET BACK WHAT THEY FREELY GAVE YOU!!!!