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Do I Need a Payday Loans Lawyer?

Chloe Meltzer | March 11, 2024

Chloe Meltzer
Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Sued for a debt for a payday loan? Use SoloSuit to respond in 15 minutes and win your lawsuit.

Also known as a “cash advance loan” or “payday advance loans,” a payday loan can get you out of a pickle when you need quick cash. Payday loans are often repaid in a short amount of time, directly from the borrower's next paycheck. Payday loans are not necessarily large loans, like that of purchasing a car or home. Instead, payday loans offer a quick amount of cash to push the borrower through the rest of the pay period.

Payday loans are usually associated with higher interest rates because of the short repayment term. They also are typically paid off in a lump sum from the following paycheck. When it comes to larger payday loans, the payments may be taken from a number of consecutive paychecks.

Common Payday Loan Disputes

Payday loans are usually a simple transaction, but if you cannot pay the loan when it is due, it can lead to a legal dispute. Common legal disputes concerning payday loans include:

  • Interest rate disputes due to being extremely high
  • Payment term disputes
  • Breach of the lending contract
  • Late payments
  • Missed payments
  • Disputes regarding high service fees
  • Loan fraud from either the lender or borrower
  • Illegal use of loan documents commonly associated with identity theft

SoloSuit makes it easy to win a debt collection lawsuit.

How to Solve Payday Loan Disputes

If you have defaulted in your payment on a payday loan, there is no need to panic. Although the courts may issue an injunction, you do have options. If you can, the best choice is to pay back the loan. This will end the process, and you will be able to avoid the dispute.

In more serious cases, defaulting on your loan may lead to a lien being placed on your bank account or home if you own one. You may also have your wages garnisheed until you pay back the loan. Despite this, there are many rights afforded to the consumer.

If you believe that your lender has violated any type of finance or loan laws, then you should contact a lawyer. Common violations include identity theft or misuse of your personal information. This can lead to identity theft, and you may have a case against them.

Do I Need a Payday Loans Lawyer?

If you need quick cash, then a payday loan may be able to help you. Whether that is to pay your bills until your next paycheck, put food on the table, or pay off another looming debt. As long as you have money coming in, in a relatively short period of time, payday loans may work for you.

Although good for quick cash, payday loans carry huge risks. With high-interest rates and a variety of terms you must agree to, it is not a good choice for everyone.

It is good to consider all of your options before obtaining a payday loan. Despite this, if you are already struggling to pay a payday loan or are in a dispute with a creditor, it may be a good idea to hire a payday loan lawyer. Your attorney can help inform you of your rights and argue on your behalf if you need to file a lawsuit. SoloSuit can also help you respond if you've been sued for a payday loan.

What is SoloSuit?

SoloSuit makes it easy to respond to a payday laon debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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