Stuck in an Endless Payday Loan Loop?

DebtCleanse™ puts you back in control



Payday loans are promoted as a quick fix for a cash crunch. The interest rate on these short-term loans can be astronomical. In some states, it’s more than 400%. But, if your car breaks down or you’re staring into an empty refrigerator 10 days before payday, even those terms can be tempting.

The problem is, most payday loans aren’t used for short-term, one-off emergency situations. And, borrowers are often trapped in a cycle of reborrowing that costs hundreds or thousands of dollars.

You can break the cycle.

We Can Help!


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800-500-0908

Payday Loans Keep People Broke

According to the Center for Responsible Lending, only about 1% of payday loans go to borrowers who use them for a one-time crisis, pay them off, and don’t borrow again for at least a year. Data from the Consumer Financial Protection Bureau (CFPB) shows that the average payday loan borrower takes out a $375 loan and then pays $520 in fees as he or she repeatedly renews or reborrows.

It’s understandable that so many payday loan borrowers have to renew their loans. On average, the amount due when they receive their next paycheck is about 36% of their pay. For many, this cuts into the ability to pay basic living expenses, starting the cycle of continuing shortfalls and new loans.

Managing Payday Loan Debt

When you take out a payday loan, you will typically provide the lender with a post-dated check or an authorization to electronically debit your checking account on your next payday. That locked-down due date, along with the short-term nature of a payday loan, creates a sense of urgency about payment. Unfortunately, that sometimes means the payday lender gets paid ahead of more important expenses, like rent and utility bills. As late fees accrue and disconnect dates approach, another expensive loan beckons.

It’s easy to feel like there’s no way out. But, there is.

Payday Loan Collections

A payday loan is an unsecured debt, just like a credit card debt or medical bill. Sure, the payday lender has your check or draft authorization. But, if the funds aren’t available in your account, the payday lender’s collection options may be limited. In most cases, the payday lender will have to go through the same processes as any other unsecured creditor. If collection letters and phone calls don’t prompt payment, the payday lender will have to decide whether it is worthwhile to file a lawsuit against you.

In the process, anyone collecting on the lender’s behalf is bound by federal and possibly state consumer protection statutes.

The most powerful collection tool payday lenders have is your sense of urgency. Talking with an attorney in the DebtCleanse™ network will help you stop reacting to creditor pressure and start thinking strategically.

DebtCleanse™ Can Help

We’ll give you the strategies and resources you need to put debt collector stress behind you.

When you sign up with DebtCleanse™, we’ll connect you with a consumer advocate attorney who will notify collectors to direct any future communication to their law offices. This should immediately stop harassing calls and letters.


DebtCleanse™ can put you back in control with creditors and debt collectors.

Take the first step right now! Just call us at 800-500-0908 or join now. You could be speaking with your attorney in as little as an hour.