I took out a Western Sky loan which is based on an indian reservation in SD. They sold my account to Cash Call based out of CA. I live in IA. Cash Call does not lend to IA residents. I am wondering if it is legal for them to charge me the outrageous interest they are currently charging me. IA has usury caps and this is way over. I pay $298 a month of which $291 goes toward interest. It is 139%. What can I do about it?