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) In addition, the payday lender may accuse you of writing a bad cimb bank personal loan form and threaten to press criminal charges. If a payday lender does this to you, it may be in violation of various state and federal fair debt collection rules and other consumer laws.
This is in addition to violating the automatic stay. (To learn more see, visit our Illegal Debt Collection topic area. ) Some states even prohibit or restrict payday lenders from engaging in the practice of demanding post-dated checks. For instance, Michigan's Deferred Presentment Service Transactions Act requires a payday lender to be licensed before it may use post-dated checks as security for advances and other payday loans. THE NEW AMERICAN HOME.
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