{"id":6196,"date":"2015-08-22T22:26:22","date_gmt":"2015-08-22T22:26:22","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6196"},"modified":"2025-08-11T19:53:18","modified_gmt":"2025-08-11T19:53:18","slug":"addictive-payday-loans-most-despicable-predatory-scheme-ever-devised","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/addictive-payday-loans-most-despicable-predatory-scheme-ever-devised\/","title":{"rendered":"Losing Ground on Payday Loans? Perhaps Bankruptcy is the Answer"},"content":{"rendered":"

If you’ve been reading my stuff, you know I’ve said this before. \u00a0My clients are good people. \u00a0Prior to giving up and deciding to come see me, they have tried just about everything and anything to avoid bankruptcy. \u00a0Among the various desperate measures many have tried is the payday loan. \u00a0What is a payday loan? \u00a0It’s one of the worst, most despicable, predatory schemes ever devised by the greedy and clever.<\/p>\n

How does a payday loan work? \u00a0Well, it’s aimed of course at people who are employed and who as a result have a regularly scheduled payday. \u00a0It can be done at a storefront or on a web site. \u00a0These days most of the payday loans I see have been done on line. \u00a0One starts by providing bank account information along with employment information. \u00a0This includes the amount of a \u00a0typical paycheck and when it is ordinarily received. One site I just looked at claims to be able to approve the loan within two minutes. \u00a0Typically the amount will be about $500, but sometimes it can be more. \u00a0The money will be deposited into the borrower’s checking account within a day or less.<\/p>\n

The borrower doesn’t have to repay the loan until after his or her next paycheck is deposited into the checking account. \u00a0What can be the harm? \u00a0At about the time the pay check from the borrower’s job is deposited into his or her account, the whole loan is automatically repaid by an automatic withdrawal, with interest – lots of interest. \u00a0One site I just reviewed states that the annual interest rate will run somewhere between 261% and 1304%. \u00a0At first it doesn’t seem that bad. \u00a0For example, at an annual rate of 300% the interest on a $500 loan over two weeks is “only” about $58.<\/p>\n

The trouble is that once a person starts doing this, it can become very addictive. \u00a0As soon as it’s been done it once, when payday comes there’s a big hole missing from the paycheck as soon as the automatic payment of the loan is made. \u00a0So what’s the obvious temptation? \u00a0Do another one, of course, to make up for the missing money. \u00a0Pretty soon it’s not hard to start taking multiple payday loans from the multiple web sites that are available for this purpose. \u00a0Then the extremely high interest, rate which didn’t look so bad at first, can really becoming quite a burden. \u00a0It can become a treadmill of dependency on these loans. \u00a0It can interfere with one’s ability to eat, pay rent or buy gasoline. \u00a0Much\u00a0like the psychology involved in the slot machines at a casino, somebody has figured out just exactly what is required to keep people coming back and paying in.\u00a0Usually if I see one payday loan it means my client has been at it for a long time. \u00a0It may only be one loan, one loan at a time that is. \u00a0Sometimes it’s two or three or four at a time, enough to entirely consume each paycheck.<\/p>\n

Even after my client has hired me to do a bankruptcy, and after I have advised the client that this is the point at which they should stop paying many of their debts, there is a tendency to assume that this advice somehow does not apply to the payday loan. \u00a0It can be a surprise when I say, “it’s your account and it’s your bank and you can stop that automatic withdrawal any time you want” \u00a0I have had a few clients leave my office in a rush to try to make it to the bank in time to stop the next withdrawal.<\/p>\n

The StarTribune recently published a feature article about payday loans and one of the big businesses in Minnesota that makes them<\/a>. \u00a0According to the article the average interest rate customers in Minnesota pay for a payday loan is 277%. \u00a0Sounds like theft to me, but Minnesota is among 36 states which allow it. \u00a0If you find yourself going nowhere and losing ground on this payday loan treadmill, it’s probably time to call me for a free over the phone screening as to whether you qualify for a Chapter 7 or Chapter 13 bankruptcy.<\/p>\n

This post is for general information purposes only, is not legal advice, and does not create an attorney-client relationship. \u00a0Nothing on this site is intended to be a substitute for retaining a competent attorney. \u00a0I am a debt relief agency. \u00a0I help people file for relief under the federal bankruptcy code.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

If you’ve been reading my stuff, you know I’ve said this before. \u00a0My clients are good people. \u00a0Prior to giving up and deciding to come see me, they have tried just about everything and anything to avoid bankruptcy. \u00a0Among the various desperate measures many have tried is the payday loan. \u00a0What is a payday loan? … <\/p>\n

Continue reading “Losing Ground on Payday Loans? Perhaps Bankruptcy is the Answer”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[196,69,12,24,211,199],"tags":[215,109,112,125,170,214,213,212],"class_list":["post-6196","post","type-post","status-publish","format-standard","hentry","category-bank-accounts-and-bankruptcy","category-chapter-13","category-chapter-7","category-consumer-protection","category-payday-loans","category-too-good-to-be-true","tag-automatic-withdrawal","tag-bankruptcy-2","tag-chapter-13-2","tag-chapter-7-bankruptcy","tag-consulting-with-a-lawyer-concerning-bankruptcy","tag-high-interest","tag-payday-loan","tag-payday-loans"],"yoast_head":"\nLosing Ground on Payday Loans? 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.\",\"sameAs\":[\"http:\/\/www.mn-bankruptcy.com\"],\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Losing Ground on Payday Loans? 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \"I'm a very good source of unreliable information about that.\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. 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