Payday Loan Help

Usually no. A consolidation program that works directly with your lenders needs no credit check and adds no new loan, and many payday lenders never report to the bureaus at all.

You can consolidate payday loans without a new loan by joining a program that works directly with your lenders to combine what you owe into one lower payment. There is no new borrowing and no credit check required.

Yes, a payday lender or the collector that buys your debt can sue you in civil court for an unpaid loan. It is a civil case over money, not a criminal one, so you cannot be jailed for it.

When you stop paying a payday loan, fees and interest pile up, the lender keeps trying to withdraw funds, and the debt can hit collections, your credit, or even court. You cannot be jailed for it.