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    <title>PaydayLoan.Help Guides</title>
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    <description>Your state's payday loan rules, the payment plans lenders must offer, and real ways out of payday debt, from statutes and regulators.</description>
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      <title>Can payday lenders sue you, or have you arrested?</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
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      <title>How to get out of payday loans: the order of moves that works</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>Stop renewing, control the withdrawals, ask for your state's payment plan, then a 28% credit union loan or nonprofit counseling. Fees worked out.</description>
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      <title>Military Lending Act and payday loans: your protections</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
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      <title>Nonprofit credit counseling for payday loans: what to expect</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
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      <title>Online and tribal payday lenders: does your state's law apply?</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
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      <title>Payday alternative loans (PAL I and PAL II): rules and how to get one</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
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      <title>Payday loan consolidation: real loans vs. relief companies</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
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      <title>Payday loans and bankruptcy: what to know before you file</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
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      <title>How to stop payday loan withdrawals from your bank account</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>Revoke the lender's ACH permission, place a stop payment 3 business days ahead, and know the two-failed-attempts rule. Sample letter included.</description>
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