Product: Payday loan, title loan, or personal loan

I received a loan in late XXXX in the amount of {$1500.00}. Covid happened I was not working the same hours then I eventually had to quit my full time job in XX/XX/XXXX due to my son having to do virtual learning. I called to set up a payment plan but I fell behind and they would not allow me to choose a different payment amount to try and keep up instead they constantly charged a ridiculous amount of interest over time. I havent worked a steady job since the pandemic. I have no way of paying in which I have already let them know but I received an email this week stating I owe them {$4100.00} and that it has defaulted and will effect my credit. 

Arent such loans illegal now what can I do to make this loan stop gaining such high interest? The email read : NOTICE OF RIGHT TO CURE DEFAULT XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX of Utah, XXXX, XXXXXXXX NetCredit XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX Default Amount : {$4100.00} Cure default before : XX/XX/XXXX Our records show that Loan # : XXXX funded on XX/XX/XXXX in the original amount of {$1500.00} has a default balance of {$4100.00} due to nonpayment of obligations on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX The total default balance includes {$870.00} in principal, {$2700.00} in interest, and {$510.00} in late fee charges. 

If you do not cure the default amount before XX/XX/XXXX, then your entire outstanding balance may be accelerated and become immediately due and payable without further notice, demand, or right to cure. We may exercise our rights under the law including : ( 1 ) pursuing collections through a third party collections agency If you are late again in making your payments, we may exercise our rights without sending you another notice like this one.

Remember that we report payment activity to major credit bureaus, and late payments could hurt your credit score or damage your credit health. For this reason, it is crucial to resolve your past due balance as soon as possible. 

Please send all payments to NetCredit. You can sign in at www.netcredit.com to set up a payment online or call us at ( XXXX ) XXXX to speak to a representative about payment options. You XXXX also mail your payment to us at our address below. Our Collections Team is available Monday - Friday, XXXX - XXXX XXXX and Saturday, XXXX - XXXX XXXX. 

Sincerely, The NetCredit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com To ensure delivery of important updates from NetCredit please take a moment to add XXXX to your email address book. 

You can disregard this letter if you already made payment arrangements for the entire amount due ; or you filed for bankruptcy and received a discharge. Pursuant to applicable state law, this letter affords the consumer an opportunity to cure his or her default before the creditor will exercise its rights. 

*** Terms and Conditions Apply *** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To stop further collection emails, please fill out the collections opt-out form : www.netcredit.com/collections-opt-out. 

For California Customers : The state XXXX Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They XXXX not harass you by using threats of XXXX or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.