Debt Payoff & Recovery
Payday loan rollover fees explained: the real math
See exactly what rolling over a payday loan costs with a worked $300 example, which states ban rollovers, and how to exit the cycle mid-loan.
Updated 2026-08-07
Payday loan consolidation: how it works, when it helps, when it hurts
How payday loan consolidation actually works, the math on combining 3 loans, how to tell legit programs from relief scams, and when consolidating backfires.
Updated 2026-08-07
Payday loan extended payment plans, state by state
Which states make payday lenders offer a free extended payment plan, how to request an EPP with a word-for-word script, and what to do if yours doesn't.
Updated 2026-08-07
How to Stop ACH Withdrawals From Your Bank Account
Step-by-step guide to revoking ACH authorization with a payday lender, placing a stop-payment order at your bank, and using your Regulation E rights.
Updated 2026-08-05
How to get out of payday loan debt
A step-by-step plan to escape payday loan debt: extended payment plans, consolidation, credit counseling, negotiating with lenders, and last-resort options.
Updated 2026-08-05
A Debt Collector Called: Your Rights in Plain English
What debt collectors can and can't do under the FDCPA, how to demand validation, when a debt is too old to sue over, and how to file a CFPB complaint.
Updated 2026-08-05
What happens if you can't repay a payday loan
Missed a payday loan payment? Here's what actually happens — NSF fees, collections, credit impact, what lenders can and can't legally do, and your first steps.
Updated 2026-08-05
Can a Payday Lender Sue You? What Actually Happens
Yes, payday lenders can sue in civil court. What judgments and garnishment really mean, why jail for debt is a myth, and how to respond to a summons.
Updated 2026-08-05