Can payday lenders sue you, or have you arrested?
A payday lender or collector can sue you in civil court. A collector can't threaten arrest over unpaid debt. What the FDCPA covers and what to do.
Guides
Plain help for getting out of payday loan debt.
How to get out of payday loans: the order of moves that works
Stop renewing, control the withdrawals, ask for your state's payment plan, then a 28% credit union loan or nonprofit counseling. Fees worked out.
Military Lending Act and payday loans: your protections
The MLA caps covered loans at 36% MAPR, bans same-lender rollovers and forced arbitration, and voids loans that break the rules. Who's covered.
Nonprofit credit counseling for payday loans: what to expect
How a nonprofit credit counselor helps with payday loan debt, where to find one (NFCC, FCAA), what a debt management plan can and can't cover.
Online and tribal payday lenders: does your state's law apply?
A federal appeals court held a tribal choice-of-law clause didn't shield CashCall from state law. How to check a lender's license and what to do.
Payday alternative loans (PAL I and PAL II): rules and how to get one
Federal credit union PALs cap the rate at 28% and the application fee at $20. PAL I vs PAL II terms side by side, and how to find one.
Payday loan consolidation: real loans vs. relief companies
A consolidation loan from a credit union replaces payday debt at up to 28%. A relief company that wants fees first is breaking FTC rules.
Payday loans and bankruptcy: what to know before you file
Bankruptcy is a last resort for payday debt. The pre-filing counseling rule, the $900 and $1,250 presumptions, and why recent loans get a closer look.
How to stop payday loan withdrawals from your bank account
Revoke the lender's ACH permission, place a stop payment 3 business days ahead, and know the two-failed-attempts rule. Sample letter included.
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