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When you apply for a payday loan you send in you info on your next pay date and you contact info.

The Payday loan company check their datebase to see if you have any payday loan outstanding then call you to verify you contact phone number.  Usally you give them you bank routing and account numbers so the can deposit you loan in you account the next morning when your pay date comes up the debt you account for the loan plus the fees unless you let them know you want to renew the loan

no you can’t be arrested for defualting on a payday loan or check advance loan.

The loan company and you both agreed that you did not have cash in the bank when you wrote the check so bad check laws do not apply.

If a payday loan claims you can be arrested if you don’t pay they may be breaking the law them selfs and could be fined and have to let you out of your loan without paying. this depends on your state but most states have laws to protect youf from overly agresive bill collection eforts

According to the Fair Debt Collections Practices Act (FDCPA), it is ILLEGAL for a payday loan company or any company to threaten a person with the possibility of being arrested for non payment of a debt. So tell them you are going to report them for make illegal threats and have them arrested then thank them for paying off your loan with this threat. You no longer have to pay them. Make sure to record the call!

These loans are expensive if you can pay it downand make arrangements to pay over time do it this will save you credit. thell them you can not pay their high fees any more and are will to pay the original loan plus 20 to 25 percent over a few months in payments they most likly will except get pay is better then not getting paid.

First you need to pay off the payday loan fast. reduce any unnessisary spending until you have atlest a little extra cash saved for the next rainy day.

Write your budget plan

• make a list of all your mandatory expenses rent, insurance, gas to get to work, food and utility bills etc.
• make a list of things you think you can cut or reduce. night out, beer, cigarretts, movies, toys, starbucks, etc
• write down everything you spend money on so you can see where it is going as you spend it so you don’t forget
• add up your income and the required expenses.
• take whats left and plan to save $100 or more each payday then use the rest to sort out you list of thinks you can cut

Include some savings like $100 a payday if you can