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Hello, I filed my bankruptcy in Feb 2015 it was discharged in July 2015 I had 3 payday loans that were included in my bankruptcy but when i called the loan company just to make sure that they were taken care of they said that i still owe a balance filing bankruptcy does not wipe out the debt.
what should i do. Sylvia, payday loan companies are known to lie when trying to collect on an account. If what you said is correct, those payday loans were discharged (eliminated). What should you do. Nothing. Forget about it.
If they should sue you for that debt, you have a perfect defense. I am laid off, will be going back to work soon I hope. In order to get by, I have been taking unsecured installment one hour cash loan philippines with very high interest rates.
Remember to keep copies of all emails and letters you sent to the lender and write down details of your phone calls to them. This is evidence of how youve tried to contact them if they dont reply and you need to make a complaint.
(See How to complain about a payday lender below. ) 2. Think about cancelling the recurring payment. If you cant afford the loan repayments or are worried about paying the loan means you might not be able to pay for essentials, such as: You can phone your bank and cancel the recurring payment (continuous payment authority) that allows your lender to take money from one hour cash loan philippines account. Do this at least one day before repayment is due and make sure you tell your lender youve done so.
Write down the date and time that you instructed your bank to cancel the recurring payment.