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A payday loan default can drain your bank account and trigger collection calls, a lawsuit and wage garnishment. Here are some actions you can take to protect yourself if you cannot. Failure to repay a loan is not a criminal offense. In fact, its illegal for a lender to threaten a borrower with arrest or jail.
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Payday Loan Consolidation ( Payday Help) Debt Relief. Payday loans are short term loans which are normally paid back within a few weeks.. The repayment of payday loans is normally done via a single payment. The lender usually takes a post-dated check from the borrower.