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I have a few payday loans that I applied for on line. I have been paying renewal fees that are way over the amount I actually borrowed. I have tried to work with this company but they could care less. Can any way send me or show me where I can find pennsylvania rules on fees and how long a loan can be taken, rollovers etc. I have collectors calling me threatening me telling me I am committing fraud. They even called my job and told the manager unless I made arrangement they would have the police come to get me what can I do. I closed my account but they are still harassing me.
Payday lending is prohibited in Pennsylvania. You owe them only the principal balance, no interest, no fees. Don’t worry, they are giving false threat. Debts are civil case, not a criminal offense. So you can’t get arrested for nonpayment. Moreover, illegal lenders can’t take any legal action against you. If required, file a complaint against them to the SAG or FTC.
Since they're illegal loan lenders, they can't sue you or garnish your wages. Unless you give them consent, they should not be calling your employers and this way they're violating the FDCPA. You may report this to the SAG or to the FTC.