Can a payday loan place sue me
Depending on your location and loan terms, if you fail to satisfy this demand, your lender or its agent may sue you for the loan balance plus penalties and interest and collection costs, including legal fees. This can result in wage garnishment of up to 25 percent of your gross pay. Make getting new credit costly or impossible. holiday short term loans OKAY, SO I'VE JUST BEEN SUED ON A DEBT. WHAT EXACTLY DOES THAT MEAN AND WHAT SHOULD I DO? It means that someone has decided not to try to settle with you or work things out with a payment plan. It means that someone has decided to turn this matter over to the court so that they can try to get a money May 29, 2017 As the Consumer Financial Protection Bureau notes on its site, these loans are typically for small amounts but give lenders access to your checking account or require you to write a check for the full balance in advance, which the lender can deposit when the loan comes due. Worse still, payday loans carry secure same day payday loans May 13, 2013 The company loads on fees, interest and credit insurance premiums, often to the maximum state law will allow; repeatedly renews loans when borrowers are For this reason, they say installment loans are a better option for consumers than payday loans, and less likely to cause financial problems for Dec 21, 2015 Court records show that 7,927 Utahns probably could empathize with Diaz. That's how many were sued by payday lenders last year, Salt Lake Tribune research shows. That's roughly equivalent to suing every resident of Park City. This blizzard of litigation occurred even though the industry claims the vast Jan 11, 2014 After the borrower's next payday, the lender deposits the check. If the money's not in the bank, the check is going to bounce. The payday lender will then try other ways to collect the loan, like sending the debt to a collection agency. I've had more than one bankruptcy client tell me he or she received a call
With legislators convening in Washington and Austin, the next few years could be make-or-break for Texas' $5.8 billion payday loan market. In Washington, the Jerry Allen, a former Dallas city council member, remembers a payday lobbyist threatening to sue after Allen spearheaded the legislation's passage. “I told him secure same day online loans Feb 10, 2016 Today, federal authorities arrested the man behind the company, AMG Services — along with his lawyer and another, unrelated, payday lender — for parts of the payday lending enterprise, so that when states sought to enforce laws prohibiting the loans, the businesses could claim to be protected by
Mar 13, 2015 Can a payday loan company sue you if you fail to repay back … Yes, in California a payday loan company can sue you for repayment on a … Although it is clear that you can get sued in New Jersey for the payday loan, it is not … [more]. Can a payday loan sue me? | Yahoo Answers. Feb 15, 2013 … In New First Bank invests $500K in Justine Petersen's Emerging Markets Loan Cardi B sued for $10M by ex-manager. featured Not only was Thursday night the best edition of the “A Night of Soul Searching” to date, it will probably land in my favorite concerts of 2018. This is no shade to any of the artists who participated in my payday loans from the money shop Payday lenders sued the Consumer Financial Protection Bureau (CFPB) on Monday in an attempt to block the agency's “draconian” final rule on short-term loans, The regulation, which was finalized under the Obama administration, would require payday lenders to verify that borrowers can afford the debt before giving Aug 22, 2014 In Kentucky, a payday lender can charge no more than $15 per $100 in credit, and state law restricts borrowers to no more than two loans at a time, or a cumulative $500 cap. Those limits have been in place for a decade but were largely unenforceable until 2010, said Charles Vice, commissioner of the
Missouri Payday Lenders Can Charge Unlimited Interest and Take
Getting a call from a payday lender or debt collector can be frightening. If you're lucky, it will be a pleasant conversation on how you can repay the debt. But sometimes it can veer into areas that aren't legal and are harassing. In a new report highlighting how nonbank financial institutions are complying with federal consumer The lender will also call, send letters, and do everything they can to collect on this debt. After the 20 day notice period, the lender may sue you in court for the loan amount plus fees. Why are Payday Loans not a good idea? You will pay extra money for this type of loan. If you get a $200 payday loan every two weeks for one Here, a payday loan consolidation company offers a payment plan you can afford. to pay late fees and extra fees; Don't have to endure automatic debits; Only one pocket-friendly monthly payment plan; Less collection calls & chance of getting sued .. I live in NE and wanting to know if they can sue me for non payment.Sep 12, 2017 If you're having problems making ends meet, you don't need to surrender control over your circumstances to payday lenders. Don't plunge in head first with eyes closed. Learn how to spot the oppressive conditions in small dollar loans so you can avoid them. Know what other options are available.
Failure to repay payday loan is not fraud. Before we discuss the fact that failure to repay payday loan is not fraud, please note: This article does not constitute legal advice or create an attorney/client relationship; This article is intended only for Minnesota residents. Laws vary state to state Mar 23, 2018 Cordray was prepared to sue the company on those grounds, sources said. Cash Express also misled customers by telling them they might repair their credit with a payday loan, even though the lender does not report to credit bureaus, the CFPB concluded. The CFPB faulted Triton Management Group for Florida law limits the interest and terms of payday loans, and requires payday loan lenders to comply with other rules that protect consumers. state for help. But if you obtained the loan from an out-of-state lender over the Internet or the telephone, the help that Florida can provide may be limited. The law places limits on. Feb 11, 2014 Could your payday loan also be illegal? If you've fallen into the trap of taking out payday loans, getting one of these “easy money loans” could end up costing more than you realize. To find out whether your payday loan is even legal, follow these steps: Check with state authorities. You can check the legal Sep 4, 2016 Even several state attorney generals have told their residents to not repay any loans from these illegal tribal payday loan companies. Knowing this, me and my wife have taken out a few of these “loans” from these hustlers just for the free money. One of which has paid for our recent cruise. Can't beat free
I have took out three payday loans and they told me that the can sue me and get me for fraud on checks is it true. One company has been known to control up to 25 payday poan lending companies. A company that is illegally conducting business inside NC cannot sue you and it hold up in any court. Oct 31, 2008 Any attempts to place negative information on my credit report before that time will be met with legal remedies. Enclosed for the past few months and I had no idea how to get them to quit calling me other than the wrong ways: i.e, debt consolidation, payday loans, etc. .. If you close it, they could sue you.Aug 28, 2012 The St. Louis Post-Dispatch reports that debtors in St. Louis County are being preyed upon by payday lenders and the collection agencies to which they to court often can successfully argue against the debt, since the burden of proof is on the creditor or company bringing the suit to prove that the person May 14, 2015 Payday loan company owned by Chippewa Cree tribe sued for predatory loan practices. Interest rates from the tribally owned lender can exceed 300 percent. Plain Green "Plain Green, its officers and directors have not been served with a complaint and can not respond to media inquiries at this time.Hi All, Hopefully I am posting this in the correct section of the forum. I had a mountain of debt and, over years, and with the great help of PayPlan (THANK YOU GUYS!), I am now officially debt free well two years ago even, and still am. A company has been consistently emailing me periodically over the
Dec 3, 2015 A payday loan is a small loan that has to be paid back in a very short amount of time, within two pay periods. It has a definite due date for full repayment, unlike an open-ended account (such as a credit card.) Payday loans have an extremely high interest rate, plus fees that the lender will charge you just for Jun 3, 2013 If you have been contacted by a company threatening to arrest you for defaulting on your payday loan, chances are it is a scam or fraud. This question usually comes to me or my colleagues from a frightened victim of this “payday loan scam” after they have been contacted by a self labeled “collector” Stop credit card collection calls Today and get relief from payday loan debt. Federated Financial offers payday loan & debt consolidation programs. May 7, 2015 Internet Loans. Internet payday loans are illegal in some, but not all, states. Customers can apply for the loan .. I have been dealing with an Internet title loan company for almost a year, I have paid all fees on time and now they have hit me with a final balloon payment Jun 10, 2014 He said he could remove the “red flag” for $500 – a figure that their lawyer later lowered to $203. At that point, I said I wanted my $195 back, but then they threatened to sue me for the balance of the loan -- a loan I never received. I realize now this was a scam, and I have closed my bank account.
Get access to fast cash for good Or bad credit loans near me. Online payday loans can be the right solution to your short-term financial troubles because payday advance are easily obtained and easily repaid nearby places. Apr 22, 2016 Whether you have four or five ongoing payday loans or just one, read on to find out what to do if you don't have enough money to pay off the principal but are Once they fail to collect on the check, though, the loan company will contact you to set up a payment plan. They're just like you and me. They are And while NCB may not sue as much as other debt buyers, there is always the risk you can be sued for collection (if your debt has not passed the SOL that limits how I have $1,000 from two other payday loan places that I buckled down on and will have paid off this month, but I'm going to have to default on my $400/month
SHOW ME THE MONEY: The State PIRGs and CFA, February 2000, Page 1. SHOW ME THE 1 See the 8 state survey “The Growth of Legal Loan Sharking: A Report on the Payday Loan Industry,” Jean Ann. Fox, Director of . to pay it back, in many states you can simply pay the finance charge, or $15, to “roll it over”, still.Online Payday Loans: CAUTION! The Department strongly urges consumers to verify a lender is licensed before sharing personal information. You can verify licensure by checking or calling 1-866-275-2677. • Unlicensed lenders may illegally collect from your bank account directly without your permission,. They get around this because the company exists on the Cheyenne River Sioux Reservation, a sovereign nation located within the United States of America. What does that Bank account access is often a requirement of these loans, so they can take the payment directly out of your account without having to sue to collect.
Can a payday lender garnish my wages?
Payday Loan Place Window Graphics. A few years ago, I appeared on a local news station to discuss the problems payday loans: What I recently discovered is that tribal lenders such as American Web Loan (“AWL”) will often go out of their way to harass borrowers having financial difficulty with few consequences to them. She could not afford to repay the total amount in one lump sum and still meet her daily expenses, so she went to another payday loan company, and borrowed again. Before she knew one company. Sharon was in tears the day she called Solutions™ Credit Counselling Service Inc. for help and spoke to me on the phone.Apr 18, 2014 But class-action lawsuits can be a powerful tool for reform. And so, suing the payday lenders under the state's unfair-trade-practice and usury laws, McNulty challenged the class-action bans. She proceeded with five class-action cases, one against each of five major lenders still offering payday loans in May 28, 2015 If the only way for a company to recoup the loan and interest from you is to seize the collateral, they will. Kabbage is one option where you don't have to provide collateral to get a business loan – so your business, house and personal assets don't have to be on the line if you find yourself in trouble.Jun 23, 2016 “I really feel my mission in life is to educate lawmakers on what predatory loans do to the working poor,” Locke told me at the time. Locke's speaking style is Most states have in place a usury cap, a limit on the interest rate a lender can charge, typically under 20 percent. So Jones placed lobbyists on
repay the loan? Probably not. If you borrowed money and promised to pay it back, the sunset of the payday lender licensing program will not, by itself, change that It is extremely unlikely that a payday lender can legally “require” you to convert an unpaid loan balance Click here for a list of Arizona sales finance company. Oct 13, 2017 Though Ohio laws on payday loans have changed over the year, one thing remains clear: Payday loans seem like a simple solution, but they are very costly and hard to get out of. Whenever possible, avoid them. If you already have them, it's essential to know your rights.Jan 15, 2018 Should you can't shell out it rear inside of that point, there might be available options, the typical time to repay a pay day loan is around 2 weeks.. Many businesses They might also make your borrower to indicator a contract to not to sue their loan company in case there is any question. Most of these Problems paying back a payday loan. If you're struggling to pay back a payday loan or think that the lender has treated you unfairly, here's how to tackle the problem. What to do if you can't pay back your loan; How to complain about a payday lender
Jun 11, 2014 Consumer advocates again are calling on state lawmakers to tighten restrictions on short-term, high-interest loans after the Ohio Supreme Court upheld the ability of payday lenders to sidestep a law intended to crack down on them. Whether Republican legislative leaders will impose new controls on an Aug 10, 2008 I defaulted on a payday loan from Cash Express, LLC, in the process of collecting the Assistant Manager confronted me in public, and threatened to have If you pay them what you owe them, then yes, you can have their suit dismissed with prejudice, but just because they violated the above doesn't mean Oct 4, 2016 Borrowers with lower credit scores could pay rates of up to 184.36% APR," with many loans at less than $3,000. (Supermoney, <-loans/loanme> (as of Oct. 4, 2016).) This is similar to payday loans, in which a cash-strapped consumer takes out a Feb 3, 2015 For this article I will classify the high interest lenders into two categories: Payday Lenders and Online Lenders. First try your bank, then look for a local finance company, or you could even try to get a credit card and use the cash advance option to pay off the debt just make sure that the interest rate is Apr 17, 2018 What is a payday loan; What to expect when you take out a payday loan; How much payday loans cost; What happens if you can't pay back a payday loan payday lender could sell the loan to a collection agency and this could appear on your credit report; the payday lender or collection agency could sue
off another payday lender. The law says that lenders must check a data base to make sure you only have one loan at a time. Continually receiving loans from payday lenders can lead to a cycle of debt, where a consumer is trapped. Some payday lenders may try to talk you into borrowing from a company affiliated with their If your PDL is sold to an aggressive collections company for a few pennies on the dollar, the messages can be somewhat threatening. I suggest you Jerry Ayles-Ayler, Founder & teacher: car title loans, payday loans, installment lending .. If you signed a contract to repay a loan, you can likely be sued for the loan amount.Payday Loans. Houston, Austin, San Antonio & Dallas Payday Loans Lawyer. Debt defense attorney John Mastriani can help you get rid of your payday loans and put an We have dealt with every major (and minor) payday loan company in the region for years, and have successfully gotten rid of hundreds of thousands in Jan 26, 2013 Payday loans don't require a credit check. If you are employed and can prove you get a regular paycheck, you could get a payday loan. The way it works is that you write a check for the amount of cash you want, plus the loan company's fee. You date the check to fall on your next payday at which time the I am an Identity Theft victim, & didn't really know it until the IRS notified me & my husband about it in 2007! Someone used Generally, when one takes out a payday loan, the documentation says there will be arbitration vs. lawsuit. I am not This company has to PROVE it was they can't. Lastly
In a Chapter 13 bankruptcy, the court will require the borrower to repay debt using a court-structured repayment plan. Payday loans will be treated as any other unsecured debt and may be included in the repayment plan, allowing the debtor to repay creditors over a period of time from future income. A debtor may be able to What is a payday loan? A payday loan is a short term, high cost loan that can, but not always be secured by authorization to your bank account. The authorization could be a paper check or electronic transfer. Payday loans are also referred to as “cash advance loans”, “delayed deposit loans” and “deferred presentment Jan 29, 2012 But first open a new one at another bank so you know you have some place to put the money from that old account. If you don't do this, the payday lender will simply cash the check and take the money. You might be able to get that money back by suing the lender as a part of your bankruptcy case (called an Today I just received an email, I"m not sure which company yet stating that they're going to take me to court and sue me, and place my SSN# on hold. I'm not sure what to do now. . It states in California Payday loan laws that you will NOT be prosecuted for defaulting on a loan. You can file a complaint for Jan 25, 2018 What you need to know before you take out a short-term, cash advance payday loan from a retail store or online.
Sep 16, 2007 Now the Isle of Wight County couple are suing Columbus, Ohio-based Checksmart for $750,000, accusing it of breaking state law. Virginia legislators allow payday lenders to charge annual interest rates of almost 400 percent, but they can't threaten criminal prosecution. This isn't the first time Virginia Are you being harrassed by Pay Day Loans or Cash Advancement places? We can help! Request a consultation so we can review your case. So far we have resolved 5 FDCPA claims, where these loan operators have either paid me money, eliminated the debt, or both, for violating state or federal law. To date, I have Jun 6, 2016 Because of the new state legislation, Advance and others in Tennessee offering the flex loans — which bear similar higher interests common with payday loans, but can feature a much higher principal amount (up to $4,000) — won't be squeezed to the extent of companies operating in the traditional I have an overdue payday loan. Should I deal with it by paying a fee and taking out another payday loan? Can I close my checking account to try to stop a payday lender from taking money from it? A payday lender sued me. It got a judgment against me. My only income is from social security or a pension. Can the lender Dec 8, 2009 Can a payday loan company in Missouri file criminal charges if we default? No, unless you closed the checking account before it presented the check.
Oct 1, 2010 CAN ONLINE PAYDAY LOAN SERVICES SUE ME AND THOSE LISTED AS REFERENCES PLUS MY PLACE OF EMPLOYMENT IF I DON'T PAY THE - Answered by a verified Lawyer. Sep 21, 2017 Since home loans are backed by a borrower's real property, a predatory lender can profit not only from loan terms stacked in his or her favor, but also from the sale of a Predatory lending can also take the form of payday loans, car loans, tax refund anticipation loans or any type of consumer debt. Who Licenses and Regulates Payday Lenders in Washington? In Washington State, the Washington State Department of Financial Institutions (DFI) licenses and regulates payday lenders and the payday loan industry. You can verify the license of a payday lender in Washington State by calling 1-877-RING-DFI (746-4334)
Payday Loans - California Department of Business Oversight - State
Feb 24, 2016 When Rasheen Carbin of Arlington, Virginia, received calls claiming he owed a debt for a payday loan, "I didn't know what they were talking about," Carbin says. When he sent letters Every state has a statute of limitations on how long a company has to sue you over a debt, says Rapp. If a debt is too old Apr 10, 2017 Wendy Betts was drowning in payday loans due every two weeks. “It was a nightmare, I didn't know what to do,” said Betts, “It was a lonely time for me.” She had just moved to Orlando, her husband lost his job. “We were just trying to get our feet back on the ground, I had taken a salary cut,” said Betts. Aug 12, 2017 - 45 sec - Uploaded by Cynthia CynthiaDon't give the creditor your account information or will clean out with outrageous interest This letter is written to a life insurance company as notification of the death of the insured person and request payment of life insurance proceeds. We reveal heterogeneity among the pass-through Our commercial real estate loans can help you purchase that first. Read more National sport Business rates hike causes 15
Accueil → Non classé → Payday loan company trying to sue me. Response, cash4gold has filed by this and i Article will be entitled to loan lend payday Settle in in court, but make a friend or company “payday loan business, comply with tribes cost of indian tribes in between with Personal business loan that problem of on 1 day ago Johnny Depp allegedly used and abused a couple of his security guards, then screwed them over on payday. Johnny Depp Ex-Bodyguards Sue . Eugene Arreola and Miguel Sanchez, claim they took personal jobs with the actor in early 2016 after years of protecting him with another security company.There are 3 time periods that a collector can collect -- the time periods to sue; credit report; and actually call or write. Learn about your rights here.
Payday loan companies target people who are desperate, especially the working poor and elderly on social security. There are 3 things a payday loan company may do to make sure you repay the loan: If you can't pay the last payment (the balloon payment) the title loan company can repossess your car and sell it. Wells Fargo & Co. stock price, stock quotes and financial overviews from MarketWatch.Jul 20, 2017 Question #2: I have a bad credit score, 480 to be exact, so it's literally impossible for me to find a place due to most places want someone with 650 credit or higher. I have under Any lender can always sue you when you default on the contractual agreement and fail to me the mutually agreed on payments. We'll go over some of the things you may not know about collectors that can help in your quest for peace, as well as the best ways to handle your payday loan debt situation to get things back under control. This does not, however, prevent the collector from suing you if the debt is owed and they wish to escalate matters.If you have non-payday loan debt, like credit card debt, auto loans, student loans, and the like, talk to the lenders of these debts to see if they can help .. Each credit card company has their own criteria, and you might still be approved by one of the companies listed below. . Can I transfer debt that doesn't belong to me ?
Many consumers who need cash quickly turn to payday loans – short-term, high interest loans that are generally due on the consumer's next payday after the loan FTC (April 11, 2014); U.S. District Judge Finds that FTC Can Sue Deceptive Payday Loan Business Regardless of American Indian Tribal Affiliation (March 19, Loan & Check, a vendor to the trade, claims that payday loans will grow by 600% over the next ten years. Ace Cash Express, the largest chain of check cashing outlets is based in Irving, Texas, and operates 725 Company-owned stores and 100 franchise stores in 29 states. Its small-loan product offered in 240 stores Feb 4, 2010 Dunnigan's bill also shortens the time that payday loans can be extended from 12 weeks to 10, allows borrowers to stop lenders from calling their place of employment to seek payments and gives borrowers an option once a year per loan company to stop accruing interest on a loan to give them 60 days to 5 hours ago 60 day payday loans bad credit goals: private from to from to just relied stop organizations. to we our recommendations not job if $108 allow now the costs Cash loans today no credit check will that executive regulatory will or principle exempt administrative jobs waiver the federal by May be 1993, and
Payday Loans: Washington State
These lenders can also sue you, depending on your state, if they are not dealt with in the proper time frame and a manner that reputable consolidation Also note, if you fall behind in the payments to the company your debt with the payday lender will revert to its original status. Our firm I hope your company can help me. One payday loan can quickly snowball into too much debt for one family to handle. Many payday borrowers come up short on Still, even with these new protections in place, consumers must exercise caution when deciding whether to take out a loan to meet their emergency expenses. The cost of short-term borrowing in
Apr 12, 2016 We have helped many people understand how Texas payday loan collection laws can both protect you and also leave you liable all at the same time. The problem with the Texas collection laws when regarding payday loan debt is they were written by the industry with many loopholes put in place. Eventually they will sue you. They will be able to place a lien on your income. They can seize certain assets. This payday loan will destroy you. The alternative was 60-90 days of homelessness, which is also pretty damn scary. I don't judge you for ending up where you are, but you need help from a charity
Jul 31, 2017 Shaun Smith, Attorney Complaint Review: Shaun Smith, Attorney Cash Advance Loan Services Trying to sue me for a Pay Day loan. New York Internet. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive together so I can pay them back. It's like they don't want me to pay the money back. I honestly don't know how I'm going to do it. I feel like they just want me to keep borrowing and keep borrowing and be in debt forever. These car title loan places and other businesses like that need to stop making money off of other people's Feb 10, 2016 The indictment targets Tucker's lending practices from 1997 to about 2013 at his businesses, which operated in several states and included Ameriloan, One Click Cash, FastCash and other payday loan services. These businesses offered high-interest, high fee loans to people who can supposedly repay Can A Payday Loan Company Sue Me In Califor Sue charlton on an issue with few financing options insured profits Feb 2011 jail for personal new hampshire small claims Unpaid loan that everything must be uploaded as hour Hospital workers got caught stealing from radiation exposure understand States, including Jan 19, 2011 The payday lending business extends short-term loans to borrowers struggling with debts and a poor credit rating. Without other sources of credit, customers turn over a post-dated check, and agree to sky-high annual interest rates, as well as fees that keep piling up if they need to extend or roll over the loan
I took out a $200 payday loan from Ace Cash Express. Can they take me to court over a $200 loan? They can but usually they just send it to collection company. But they will aggravate the crap out of you by calling. And will run the check just so you will have bank fees due. I have owed them for years. Some of these calls are scams just trying to rip you off while others are actually pay-day loan collectors trying to trick you into paying with these scare-tactics. If you get one of these calls, don't try to settle things with the caller and don't offer to make any payments. The threats violate the law and you may be entitled to sue for Dec 29, 2014 At least six people have been jailed in Texas over the past two years for owing money on payday loans, according to a damning new analysis of public cour On the company's website, Wells says his goal is for Cash Plus to be “as-close-to-perfect-a-business-as-one-can-get,” adding that the company's
On-line payday lending is illegal in Pennsylvania, so the lender cannot sue to collect. The reality is that if the collection agency is not a law firm or is located out of state, there is probably little the debt collector can do to cause immediate harm to you. A debt collector can only do harm by suing you. A lawsuit can lead to a Aug 29, 2017 Whether it's a loan, a credit card, your mortgage, a payday loan – it doesn't matter. No collection on any consumer debt will end in jail time. As a result, you can file a complaint and even sue a collector for violating the FDCPA if the make threats of this kind. So note the violations and make sure to report it.Can a payday lender really sue, arrest, or place you in jail for a payday loan? The answer is no. Defaulting over a payday loan is not a crime and cannot result in criminal charges. This means that you simply can't be prosecuted, arrested, or devote jail check fraud, breach of contract, or everything else that your payday
Feb 15, 2018 A – Yes, Colorado payday loan laws do set some restrictions on how lenders can collect outstanding debts. Specifically, the laws stipulate that: Lenders can charge, at most, $25 for “insufficient funds” penalties. For unpaid payday loans, lenders can sue borrowers for the full amount of the loan, plus any When a payday loan lawsuit is filed, you will receive a notice from the court informing you that your payday loan company has sued you for the payments in connection with certain debt accounts, where you have stopped making the payments. You can receive this court notice either manually (a sheriff's deputy will visit your 1 day ago 'If he wants to serve the people,' Tim Allen told a reporter, he can “start by paying me my money back.” The deed is in Miller's name, the loan in Williams', but Miller is the only one doing any paying, according to him. The public first got its pungent whiff of how Williams operates last month when Recently on our bankruptcy forum a user asked, “I filed bankruptcy in 2015 and received a discharge shortly thereafter. Recently a pay day loan company has come to me and told me that I owe them money. I thought this loan was discharged in my bankruptcy. Can they come back to me after my bankruptcy discharge and