I stepped into around 9 payday loans, however, resolved 3 of them because of some research and consultation from an attorney. However, after few days, I found that none of the lenders was licensed to do business in my state and I’m just responsible for the principal amount that I borrowed. Due to this, one lender refund me an amount of $380. Earlier this year, some other lenders have passed the accounts to collection agencies. Am I obliged to pay the pay the collection agency if the original lender is not licensed in my state?