<prompt> Human: I saw a commercial for Western Sky place that offers instant loans with massive APR and started poking around on the internet for how something like that could possibly work.I came across this article It basically states that Western Sky immediately sells their loans to a collections company but that the collections company has no legal standing to collect on the loan since the loan originates from an Indian reservation.Is that a legitimate argument?I have no interest of getting into either end of loan sharking fwiw, just curious  <response>: AMA request: someone who has actually gotten a loan from Western Sky Financial... 