A CFPB review of one lenders lawsuits found that 70 were dismissed for lack of proof. Other options if you cannot pay a payday loan. You should not prioritize paying the payday lender over putting food on the table or paying the rent, Saunders says. Cover basic needs first: You may be eligible for community assistance plans for help with rent, utilities or food Seek advice from a nonprofit credit counselor, bankruptcy attorney or legal aid center about your next moves.
Its not worth filing for bankruptcy over one small debt, but you may want to consider it if your unsecured debts - including payday loans, credit cards and medical bills - world finance loans personal half or more of your income.
Dont delay and hope the debt will magically go away - it wont. Time never makes debt go away, Ulzheimer says. Bankruptcy does.
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