Check the fine print on your contract. Most Payday companies can LEGALLY charge up to 30% interest, so you need to clear this ASAP. You can pay $35 to your bank and stop payment on the check. The Payday company will contact you and attempt to make a payment plan charging even more interest. Although they claim they will take legal action, it is VERY rare that they do because their bank is located in a different state. You CAN get out of this, but I highly suggest to stay away from these types of companies. They are simply legal loan sharks that wont break your legs if your dont pay.
If the check you wrote to the payday company is returned by your bank for insufficient funds, etc. it is considered to be a "bad check" and the payday loan company can obtain a civil judgment against you. Most of them simply put it on your credit report but some companies do proceed with civil action. To determine what legal consequences of a bad check is in your state check out this website: www.ckfraud.org/penalties.HTML
No. In fact, payday lending is illegal in Maryland. You wouldn't even have to file bankruptcy on the payday loans. They couldn't touch you in Maryland anyway. Even if you do file bankruptcy on them, they will still most likely call and harass you. They are well known for disregarding the laws, including bankruptcy laws. A payday loan and a bad check are two different things. Unless you physically wrote a check to a storefront lender, you would not be writing a bad check. I'm sure you never wrote a check at all, but payday lenders will lie and tell you that it is a crime. That's simply not true.
Then they cannot conduct business in your state. Many states have made payday lending illegal. You would have to check with your State's financial regualtory agency. Online payday lenders will attempt to tell you that the State THEY are in has legal authority. This is not true. The state you are in has the authority.
Actually, payday loans can be obtained today even online as there are particular payday loan stores which provide online payday loans through their website. All you need is to find the particular site of such payday loan company and submit the application there. As far as I know, they require no fax or credit check, thus, even bad credit won't become a hindrance on your way to desired funds.
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