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Oct 12, 2013 Payday lenders, located god knows where and preferring to victimize consumers outside of the scrutiny of judicial authorities, are not likely to show up in your local bankruptcy court to file such a lawsuit. But, if you find yourself with a snowballing payday loan debt and needing to seek protection in a Chapter 

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If you can't repay a payday loan on time, it is best to talk to the payday lender. Try to work out a But the lender isn't allowed to give you a new loan until the first one is paid off. If you're not add late fees and other charges, including up to 60% interest; send your file to a collection agency; sue you in Small Claims Court.