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Can you be filed with papers for unpaid payday loans?

Updated: 8/18/2019
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13y ago

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If your state allows payday lending, then you could be sued if you failed to pay. This would be civil, not criminal. When internet payday lenders threaten to serve you papers, they are generally trying to scare you into thinking that some type of law enforcement is coming to your house or job. This won't happen. Some states have made payday lending illegal. Check with your attorney generals office or financial regulator for more state specific info. Also the Fair Debt Collection Practices Act (FDCPA) is a federal law that explains what collectors can and cannot do. Most payday lenders violate this frequently. You may want to contact a consumer rights attorney in your area. You may be entitled to sue for violating the FDCPA.

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Q: Can you be filed with papers for unpaid payday loans?
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