Payday Loan Broke the Law?

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What We Do

At Credo Legal, knowing your rights is where we start, acting on them is where we finish. We send a cease letter on day one of enrollment to stop contact, document every violation for an FDCPA claim, examine the loan for legality issues, and pursue every avenue available under federal and state law. Payday lenders bet on you staying passive. We make sure you don't.

  • Cease letter sent day one of enrollment to stop collector contact immediately
  • FDCPA violations tracked and pursued for up to $1,000 per lawsuit
  • Loan reviewed for licensing violations and unenforceable rate charges
  • ACH authorization revocation to stop automatic bank withdrawals
See If You Qualify for Free

Why Choose Credo Legal

  • Licensed Attorneys, We Act, Not Just Advise: We don't hand you a pamphlet. We build cases and pursue them.
  • We Move on Day One: Cease letter sent immediately upon enrollment. Violations documented from your first call. No waiting.
  • Payday Loans Have More Legal Vulnerabilities Than Most: Unlicensed lenders, rate cap violations, rollover abuse, missing documentation, we look for all of it.
  • Free Consultation: No cost to find out what violations exist and what claims you have.
  • Flexible Payment Plans: FDCPA recoveries and attorney fees from the collector can offset your costs entirely.
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Common Problems We See

  • Collector Calls After a Cease Request: Every call after written notice is a standalone FDCPA violation. We document them all.
  • Illegal Threats of Arrest, Threatening criminal consequences for unpaid payday loan debt is a federal violation, and common practice in this industry.
  • Unlicensed or Above-Cap Loans: Many online payday lenders aren't properly licensed or charge above your state's rate cap. These loans may be unenforceable.
  • Unauthorized Bank Withdrawals: If a lender is pulling money from your account after you've revoked ACH authorization, that's an EFTA violation.
  • Inflated Balances from Rollovers: A loan that's been rolled over repeatedly may contain fees and interest that exceed what state law permits.
  • Selling Debt Without Documentation: When payday loans get sold, records disappear. That's both a collection claim defense and a potential violation to pursue.
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How Our Program Works

  1. Free Consultation, Tell us everything, the calls, the loan, the threats. We identify every legal claim at no cost.
  2. Cease Letter Sent, Day One, Contact stops immediately while we begin building your case against the collector.
  3. Violations and Loan Issues Documented, FDCPA violations, licensing issues, rate violations, ACH problems, all catalogued and prepared as legal claims.
  4. We Fight on Every Front, Cease letter, FDCPA claim, loan challenge, credit report dispute, we pursue every avenue simultaneously.

Start Your Journey to Debt Relief Today

Your Rights Under Federal Law

The law gives you real tools to fight back, not just protection:

  • The FDCPA gives you the right to sue collectors who violate it for up to $1,000 per lawsuit: plus attorney fees paid by the collector
  • State payday lending laws may give you additional claims directly against the original lender, including the right to void an illegal loan entirely
  • The Electronic Funds Transfer Act (EFTA) prohibits unauthorized electronic withdrawals, continued ACH pulls after revocation are actionable violations
  • CFPB payday lending rules require specific disclosures and practices, violations can be raised as defenses and potential claims
  • A loan from an unlicensed lender or made above your state's rate cap may be void, meaning you legally owe nothing, or far less than claimed
  • You can have invalid or discharged debts removed from your credit report under the Fair Credit Reporting Act
See If You Qualify for Free

Who This Program Helps

  • Anyone who has been harassed by a payday loan collector and wants to pursue legal claims, not just stop the calls
  • People who borrowed from an online payday lender and suspect the loan may not have been legally made
  • Those receiving unauthorized automatic withdrawals from their bank account after revoking ACH authorization
  • Anyone who wants to turn their legal rights into concrete outcomes, reduced debt, financial recovery, credit repair
  • People who are done being on the defensive and want an attorney actively fighting on their behalf

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Frequently Asked Questions

Our Team is always happy to help.

Can I sue a payday lender or their collector under the FDCPA?

Yes. When a third-party collector pursues a payday loan debt, the FDCPA applies fully. Many states also allow claims directly against original payday lenders. Our attorneys identify which claims apply to your situation.

What if my payday lender was online and I'm not sure where they're based?

Online payday lenders are required to be licensed in the state where the borrower lives, regardless of where the lender is located. We check licensing as part of every case review.

How do I stop my payday lender from withdrawing from my bank account?

You can revoke ACH authorization under the EFTA. This must be done properly to be legally effective. Our attorneys advise on the right way to do this without creating additional exposure, and if the lender continues withdrawing after revocation, that's a separate actionable violation.

What if the loan has already grown to three or four times what I originally borrowed?

Many state laws limit rollovers, fees, and interest charges. If those limits were exceeded, portions of the balance may be unenforceable. We examine the full loan history as part of the case review.

How much does this cost?

Your consultation is free. FDCPA attorney fees are recoverable from the collector, meaning pursuing your claims may cost you nothing out of pocket.

Don't Just Know Your Rights. Use Them.

The law gives you real tools, cease letters, FDCPA claims, loan challenges, credit repair. Our attorneys use all of them.

Get a Free Case EvaluationCall (347) 744-9014

Disclaimer- This is attorney advertising. Prior results do not guarantee a similar outcome.

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Attorney Advertising: Prior results do not guarantee a similar outcome.

The information on this website is for informational purposes only and is not legal advice. Viewing this site does not create an attorney–client relationship. Please consult an attorney for advice regarding your specific situation.

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