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They harass you, and often times, illegally. Check your state laws with the attorney generals office or financial regulator. Some states have made payday loans illegal. If your state allows payday lending, then they may be able to sue you civilly for default. The Fair Debt Collection Practices Act (FDCPA) is the federal law that spells out what collectors can and cannot do. For example, they cannot threaten to have you arrested, come to your house, tell your employer, etc. These are all tactics that they like to use to scare people into paying them.

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Q: What happens if someone doesn't repay an online cash advance?
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