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Q&A: What can happen if i can’t pay back pay day loans?

Question by Tori Lynn: What can happen if i can’t pay back pay day loans?
I have 7 small pay day loans out and i’m unable to pay them right now. They have been calling me and leaving threatening messages. They have even called me at work. I don’t know what to do or what they can do to me? Can someone give me some advice on this?

Best answer:

Answer by spiritgide41
It sounds like you are a strong candidate for bankruptcy. If your condition allowed some way to recover, it would be different. From your description, I get the impression that this would not be possible. Bankruptcy will give you a fresh start, and I would not delay. I have been in the position many years ago, and been bankrupt; I understand the difficulty. I also rebuilt my life and now have top notch credit and am strongly financially secure. In some conditions bankruptcy is a new start, not the finale.

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It sounds like you are a strong candidate for bankruptcy. If your condition allowed some way to recover, it would be different. From your description, I get the impression that this would not be possible. Bankruptcy will give you a fresh start, and I would not delay. I have been in the position many years ago, and been bankrupt; I understand the difficulty. I also rebuilt my life and now have top notch credit and am strongly financially secure. In some conditions bankruptcy is a new start, not the finale.

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Posted by getloans - February 26, 2013 at 2:03 pm

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What would happen if you didn’t pay back a bank loan?

Question by Moatilliatta: What would happen if you didn’t pay back a bank loan?
What if you took out a bank loan or some other loan, then left the country and left no money in your own bank accounts? Could legal action be taken or would they just mark it against your credit and keep accruing the debt?

Not asking if I could get this loan, but if I indeed already had and decided to do that, what kind of legal repercussions there may be.

Thanks

Best answer:

Answer by Huntsman
Will you ever need a loan in the new country? If so, they will ask for your old information and check your reports and see your history.

Do this only if you know you will never need credit again. A landlord in a new country will also check.

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Posted by Cathy Miller - December 9, 2012 at 2:36 pm

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Are there any legal consequences for not paying back a payday advance loan?

Question by butterflybaby20082000: Are there any legal consequences for not paying back a payday advance loan?
I took got a payday advance loan from cashnetusa.com I believe it was and It was due to be paid today. I had the intentions to pay it and now i dont have the money to. They tried to take the money out of my checking account and it was denied, leaving me with a fee from my bank because it was returned. I closed my bank account to keep this from continuing. What can they do if I am unable to pay this back? And in about how much time would they take these actions?

Best answer:

Answer by Facety Jeff
They can sue you for the money plus interest, they can have the court order/enter a judgement against you to pay them back all the money, interest + legal fees. If they are very nasty they will wait until the amount goes to above the smalll claims court limit then take you to big court and sue you for more, they can alternatively sell your credit to an annoying agency who will call you day and night, show up at your work, and tell everyone you know that you owe them money (including your boss, family, friends, etc). They can also go back and investigate yoour loan application and if they find any false information on it they can give it to the police and charge you for fraud if either they or the police find you lied, they can ruin your credit, this can also increase your cost of other credit cards or cause you to loose credit altogether. In some states it is a crime to write a check with nsf or insufficient funds so that alone could be enough to land you 90-180 days in jail. they can nail you for fraud if for example you realy do not have a job or your pay check is not what you said it was or if you misrepresented things on your application.

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Posted by getloans - September 6, 2012 at 1:01 pm

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Save Karyn: One Shopaholic’s Journey to Debt and Back

Save Karyn: One Shopaholic’s Journey to Debt and Back

Save Karyn: One Shopaholic's Journey to Debt and Back

Drowning in ,000 of credit card debt, shopaholic Karyn Bosnak asked strangers for money online — and it worked!

What would you do if you owed ,000? Would you: A) not tell your parents? B) start your own website that asked for money without apology? or C) stop coloring your hair, getting pedicures, and buying Gucci? If you were Karyn Bosnak, you’d do all three.

Karyn started a funny yet honest website, www.savekaryn.com, on which she asked for donations to help her get out of debt. Karyn received e-mails from people all over the world, either confessing their own debt-ridden lives, or criticizing hers. But after four months of Internet panhandling and selling her prized possessions on eBay, her debt was gone!

In Save Karyn: One Shopaholic’s Journey to Debt and Back, Karyn details the bumpy road her financial — and personal — life has traveled to get her where she is today: happy, grateful, and completely debt-free. In this charming cautionary tale, Karyn chronicles her glamorous rise, her embarrassing fall, and how the kindness of strangers in cyberia really can make a difference.

List Price: $ 13.99

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Posted by getloans - August 5, 2012 at 8:35 am

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Can you get arrested for not completely paying back a payday advance loan ? ?

Question by : Can you get arrested for not completely paying back a payday advance loan ? ?
My bf got a call today from a payday advance place & the lady on the phone said that they would send the sheriffs office out to pick him up for non payment of a payday advance loan that is 3 years old & he paid all but like 120 $ back . Can he be arrested for this or are they just threatening to try & get him to pay ?

Best answer:

Answer by CatDad
These are illegal threats. No debt collector has the power to send the sheriff out to collect a debt. Many debt collectors are under extreme pressure to meet quotas to keep their jobs, so that’s why many of them skirt the laws in order to collect on old defaults.

Normally, you should pay your obligations, but you should not deal with or pay collection agencies that engage in illegal tactics like this.

– Get a tape recorder and start recording their calls. When they call, read the following disclaimer:
– Be advised this call is being recorded. If you do not consent to being recorded, you need to terminate this call. Continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.

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Posted by getloans - July 23, 2012 at 1:53 pm

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