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Jan 3, 2018 If you can't repay your payday loan on time, understand your rights, what the lender can (and can't) do and how to handle the situation.

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To ensure repayment, lenders threaten to cash the personal check. Without suffi- cient funds to cover it, the borrowers risk jail (on a “theft by check” or “issuance of a bad check” charge) if they cannot keep up with the steep “renewal” payments. Unlike other private creditors, these lenders use the local criminal court system