You need money at an odd hour. You walk into a nearby Payday Loan Center. You show you ID, write a check. You get the cash. Payday loans are very simple to get. Its all about convenience and hassle free life. If all goes well, you pay back the cash to get you check back or your check is cleared directly from your account.
If you don’t show up on due date, the check is sent to bank for clearance. If the check is bounced, Payday loan collection process begins. You start receiving phone calls and letters etc. 
No matter what the debt collector on phone says, you must remember one thing during the whole process.
“Payday loan is a civil debt. It is not a case of Check Fraud.”
Following are some of your rights during the collection process. We have compiled this list based on Fair Debt Collection Practices Act.
