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Time never makes debt go away, Ulzheimer says. Bankruptcy does. Can I Discharge Payday Loans in Bankruptcy. Payday Lending: Usury at its Worst.
Image by Swanksalot, courtesy of Wikimedia Commons. Payday lending represents the worst of the worst when it comes to consumer lending. The practice nearly always involves a request for post-dated checksshockingly high interest ratesand shadowy, difficult-to-locate lenders whose corporate owners often turn out to be located on American Indian reservations or in foreign countries like Belize, outside of the reach of the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws.