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Best Answer: No. Depending on the company they can sue you and take you to court or send it to a collection agency. Either way, it will mess up your credit.
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Can a Payday loan company file criminal charges against me?
Absent fraud (ie you never intended on paying the money back), threats of criminal action are just that, threats. You can't be arrested for failure to pay on a debt.
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Can you be arrested for not paying payday loans? No. You can be sued by the Payday loan company, but they can't arrest you or imprison you for not paying.
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