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Mom in need of advise and Help. please

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Junior Member

I have a few pay day loans that are soon due, I had my unexpected hours that went from 48 to 32 to 28 over the past weeks and will go up again they say in 3 weeks.
Knowing I do owe the money, I called one of those places and asked if I can pay them when my hours go up.
They said no way, please on date agreed.

So, it will probably bounce when presented, what if anything can I do, and what can they do to me.

Is there laws that protect me if I really wanted to pay them but need more time. Can they come after my already low paycheck for the low hours?

Single Mom is need of some help please.

Debt Guy

Senior Member

I am sorry for your situation. There are laws to protect you -- but not in the way you are looking for.

You cannot force a creditor to amend an agreement just because you don't have the money. The creditor has every legal right to enforce the strict terms of the agreement.

Now, this is a civil matter. So, you can't be arrested. And, they can't garnish your wages or attach other assets without first suing you and getting a court ordered judgment.

Your best bet is to try to borrow from family to get out of this mess. If you can't, then just keep your head down and realize that the payday loan company is going to be nasty because that is what they do best. Pay when and what you can as fast as you can. In the future, stay away from these guys.

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