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Payday lenders are notoriously agressive in their collection activities.  Because their interest rates are ridiculously high, if you cannot pay off the debt quickly, it soon grows to an unmanageable amount.  Often, the best answer is to look at your bankruptcy options.  Consumer debts like payday loans can usually be completely discharged (wiped out) under either Chapter 7 or Chapter 13 bankruptcy cases. This is important to remember.  It is not a crime to owe money if the debt was incurred in good faith.  You cannot be arrested or imprisoned because you cannot pay an honest debt.  However, the creditor can take many actions to try to collect the debt, including lawsuits and garnishment of wages.  If you are facing these kinds of actions, consult with a qualified bankruptcy attorney to understand your options.  A good bankruptcy attorney will explain your options without charging you for the initial consultation, and without pressuring you to file a case.  The decision to file a bankruptcy case is yours and yours alone. MORGAN & MORGAN ATTORNEYS AT LAW, P.C. IS LOCATED IN ATHENS, GEORGIA.  WE HAVE MORE THAN 30 YEARS EXPERIENCE HELPING PEOPLE WITH BANKRUPTCY AND DEBT RELIEF, SOCIAL SECURITY DISABILITY, WORKERS COMPENSATION AND OTHER LEGAL PROBLEMS.  VISIT OUR WEBSITE AT WWW.MORGANLAWYERS.COM OR CALL (706)548-7070.