I live in PA and like an idiot I have payday loans that I now can not afford to pay back. What will happen to me if I do not pay them back? Can I be taken to court or are they sent for collections? Should I declare bankruptcy? Any advice would be helpful.

What will happen is the creditor will go after you in whatever ways they can. This could mean engaging a collection agency, it could mean suing you and getting a jugement against you. From there they can garnish your salary or any other cash asset.

Hello minaa:

I would sue them for usury. You probably won't win, because these scum suckers got their friends in congress to say that 167% annual interest ISN'T usury. They can get their friends in congress to call a duck an elephant too, but it's still a duck.

It's the only shot you got. Otherwise, get ready for their steamroller!

excon

On your "payday" loan, did you write them a check for them to cash on your payday ? If so, and this is what they do here, they will threaten and sometimes actually will, cash them, let them bounce and then press criminal charges on the bad check.

I did not write any checks, everything I did was over the internet. I never physically signed any paperwork. All they do is withdraw the money form my cheking account when it is due.