If you suspect you have a predatory loan, it’s crucial to document everything, including loan agreements, communications with the lender, and any fees charged. You should avoid taking out more loans from the same lender. Contact The Kugel Law Firm or another reputable consumer law attorney immediately for a consultation to understand your rights and options. You may also consider filing a complaint with the New Jersey Department of Banking and Insurance (NJDOBI) or the Consumer Financial Protection Bureau (CFPB).