Can online Pay Day loans seek legal action for unpaid debt in PA?

You may have several remedies regarding these attempts at collection.  Generally, pay day loans may not be enforceable in PA and you can certainly defend any lawsuit, if they actually file one.  However, their collection practices alone may be a violation of the Fair Debt Collection practices Act (FDCPA).  If the calls are by debt collectors, as opposed to a collection department of the actual creditor, the FDCPA may allow you to sue the debt collector(s).  Finally, you can consider a bankruptcy which, if you qualify, will eliminate those debts and any others with limited exceptions such as student loans and certain tax debts.     If you are in the eastern part of the state, feel free to call or e-mail me on a free initial basis.