Bankruptcy and other Consumer Protection Laws were created to protect you

Payday Loan Debt

Payday loans are considered to be unsecured debt and can be wiped out in bankruptcy. They are a loan of cash and it doesn’t matter if you borrowed locally or online.

You cannot go to jail for not repaying a payday loan. Debt collectors are ruthless – and many of these collectors are not located in the United States but are international, making it hard, if not impossible to pursue them for their violations of the Fair Debt Collection Act. They will tell you the police are on their way, that you wrote a bad check and will be arrested for it. That is completely false.

The loan itself can be wiped out and any NSF charges that may have accumulated on your bank account from the payday lender’s attempts to collect.

When we talk, we will discuss your accounts, what payday loans are attached, and whether or not you need to close these accounts – and most importantly when. Timing is key when discussing bankruptcy – so the sooner we can discuss your payday loan issues, the more options available to deal with them.

Client Reviews
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We have nothing but praise for the Coxwell Attorneys! They were a comfort in a time of stress. They explained our options and once we decided our path, they guided us through each step (explaining and re-assuring us along the way). We highly recommend Coxwell Attorneys! Thad & Janet Brumfield
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Things are looking better for us already this year. You provided us with great service and you sure know what you’re doing. Mr. & Mrs. J.B.
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Thank you again for everything you did, including the fact that you took the time to check up on me after all was done. I really appreciate that. D.W.
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We received our discharge and decree on yesterday. Thank you, and thanks to Joanie, for your very professional, personable, and courteous service. M & M H.
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Frank, my husband and I can't thank you enough for getting us through this difficult time. We appreciate you and Joanie both - thank you so much for your professional service. Mr. & Mrs. J. L.