Pay Day Loans in Bellevue

Payday LoansPay day loans are debts that a person guarantees with a check that the loan company can cash on their pay day. They are short term loans with very high interest. If a person takes out a pay day loan, it is a sign that their finances are in trouble and they have no other access to credit. Pay day loan companies charge very high rates of interest and they are not the sort of loan people with other options would want to take out.

Pay day loan companies try to convince people that these loans cannot be wiped out in a bankruptcy. In fact, they can be wiped out in bankruptcy with no problem. As with any kind of debt, people who take out a pay day loan in anticipation of filing a bankruptcy are committing fraud. It is bankruptcy fraud to borrow money on purpose with the full intent of discharging it in a later bankruptcy case. Most people who take out pay day loans are thinking short term and have not yet made the decision to file bankruptcy. They often find themselves in a vicious circle, renewing pay day loans constantly or getting into payment plans for old pay day loans while struggling to pay them off. A bankruptcy can break this cycle and offer a financially distressed person a fresh start.

It does not matter if you are making payments on the pay day loan, it is in serious default or even if you are being garnished for an old pay day loan. They can be wiped out in bankruptcy. You may want to open a new bank account once you have decided to discharge a pay day loan since the pay day loan company is holding one of your checks and banks don’t always stop payment on them in time.

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