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No, payday lenders won’t generally opt legal procedures and in every sense, they don’t have the right to file a criminal case against you as it’s a civil affair.
Let me explain. Imagine, you’ve opted in for a payday loan by giving your post-dated cheque. It allows them to withdraw the amount from your account after the repay date. If you fail to repay the loan in the prescribed time, then the payday lenders try to contact you first and if there’s no response, they will hand your account over to a debt collecting agency. It means you owe the money to them and they take over from there and try to settle the amount from you by using legal collecting methods.
If every attempt fails then they are left with the option of filing a lawsuit against you, which is their least preferred option. Even then, you cannot be jailed or prosecuted in criminal grounds. You have to remember a thing that the payday loan affair is more of a civil matter rather than a criminal matter. So, the lenders/collection agents have absolutely no right to send you to jail.
In the process of their legal collecting methods, the collection agents have every right to deposit your post-dated cheque in the bank. If the cheque bounces due to lack of funds in your account, the ultimate thing the agents can do is to threaten you that you have committed a crime and are going to be arrested. But, even the lenders/agents know that the prosecutors don’t have the time for a payday lender. So, there’s no need for you to panic. Besides, the payday loans are unsecured and so, you don’t have to worry for your assets getting seized by the lender or debt collector.
Well, you can’t say so. There’s a chance of you getting arrested. But don’t worry. It will happen only when you refuse/ignore the court order due to the lawsuit filed against you by lenders/collectors. So, it’s highly prescribed to not overlook a court order. Just attend the court and give all the relevant information and the reasons led you to not repay the amount within the given time.
If a lender threatens you of getting arrested, you can even file a complaint at the attorney general. Consult a good counsellor and handle. It’s prescribed to negotiate with the lender/collection agent and convince them that you can repay the negotiated amount in the next paycheck. This enables the trust and bonding between both you and the lender, and this enables you to even opt for higher amounts in the future.
We at CashUSA247 have a better regulation system and reasonable interest rates for the borrowers to not feel much burden. We have even enabled the facility to extend the due date, so you need not undergo the legal procedures if you are unable to pay the amount on the due date. We will protect your privacy and keep your details safe.
So, don’t make any sort of delay in apply for your instant payday loan with us right here at CashUSA247. We are known to maintain healthy relationships with our customers and offer them every sort of assistance. Just a short form to fill up and the fast cash is deposited in your account the same day or if not, the immediate next business day.