Ever heard of the phrase, "join them if you can't beat them"? It's better to beat the loan shark before they get you hounded with their very strict terms of collection upon failure. Listen; any lender – authorized or not – who harasses you is breaking the law. In fact, they have no legal right to make you pay the loan back at all – because the loan itself is illegal. But you need to how to knock them out right? Here it is!