I have a payday loan that I cannot pay back on the due date – I can pay part of it now and will pay all when I am paid. I have no intetnion of trying to bail out this loan. I do not know how thi would would work since KY has ‘no rollover loan’ laws, though I’m not sure that this is what it would be. I realized it is stupid to become involved in this in the first place, and want to get out. Anyway, what recourse do I/the lender have. Thanks.
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Many states have a “no rollovers permitted” law but many payday loan companies still automatically withdraw the fees charged for the period and add new fees for the next period creating a rollover.
Payday loan companies usually ignore the laws to get their money since it is very difficult for you to stop those practices. If you close your bank account, you will still get NSF fees and harassing calls.