After bankruptcy do I have to pay back payday loans? 21 Answers as of March 29, 2012

This number keep calling me saying i have a judgement against me for not paying back payday loans.. And that they will inform my job that and sue me. Is that legal and true even After I file bankruptcy including the payday loans.

Please help me trying to get on my feet andwanna cler everything i had in my name and social

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Philip R. Boardman, Attorney at Law
Philip R. Boardman, Attorney at Law | Phil Boardman
Not if they were acquired before the bankruptcy was filed.
Answer Applies to: Virginia
Replied: 3/29/2012
Mercado & Hartung, PLLC
Mercado & Hartung, PLLC | Christopher J. Mercado
Unsecured loans are generally dischargeable. Contact a local attorney for specifics.
Answer Applies to: Washington
Replied: 3/26/2012
Steven Harrell, Attorney at Law | Waymon Steven Harrell
A payday loan can be discharged the same way as any other unsecured loan in Chapter 7.
Answer Applies to: Georgia
Replied: 3/26/2012
Diefer Law Group, P.C.
Diefer Law Group, P.C. | Abel Fernandez
If your pay loan was included in your bankruptcy, no you do not have to pay it back unless the creditor obtain an order that the debt was non dischargeable.
Answer Applies to: California
Replied: 3/26/2012
The Barger Law Firm
The Barger Law Firm | Jason W. Barger
If you successfully obtain a discharge in bankruptcy, you will no longer owe any money to payday lenders, unless you have given them security for any of the loans (car note, etc.). The sooner you file, the sooner they will go away. Once you file for bankruptcy, they cannot contact you anymore starting the day you file. If they do, they violate bankruptcy laws. They cannot contact you after you receive a discharge because the contact would violate the bankruptcy discharge.
Answer Applies to: Texas
Replied: 3/26/2012
    Heupel Law
    Heupel Law | Kevin Heupel
    Payday loans are discharged in bankruptcy, which means that you do not repay the payday loans. The payday loan company is harassing you in violation of the FDCPA and you should consult an attorney regarding the issue.
    Answer Applies to: Colorado
    Replied: 3/26/2012
    Dan Wilson Bankruptcy
    Dan Wilson Bankruptcy | Dan Wilson
    They are violating the automatic stay. Let your attorney know.
    Answer Applies to: Colorado
    Replied: 3/26/2012
    Law Office of Jeffrey Solomon
    Law Office of Jeffrey Solomon | Jeffrey Solomon
    They are just another creditor who may not attempt to collect the debt after you filed bankruptcy.
    Answer Applies to: Florida
    Replied: 3/26/2012
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    Two possible answers here: (1) If you had a lawyer in your case (and you needed one), call him. He will be able to get the lender to cease contacting you and can sue for damages if he doesn't. (2) Pay a lawyer now to assist in suing the lender (who is violating the law). Note: if there was a judgment BEFORE you filed bankruptcy, you did do a motion to avoid lien, didn't you? (If no, you likely screwed up).
    Answer Applies to: Georgia
    Replied: 3/26/2012
    T.K. Byrne | Timothy K. Byrne
    You should not be compelled to payback these loans after bankruptcy unless you signed a reaffirmation agreement.
    Answer Applies to: Mississippi
    Replied: 3/26/2012
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    Whether it is a judgment or not, if the payday loan company was listed as a creditor and thereby received notice of the bankruptcy, at the discharge it cannot collect, period.
    Answer Applies to: California
    Replied: 3/26/2012
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE).
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE). | Gary Lee Lane
    No unless it was 3 fewer months before BK.
    Answer Applies to: California
    Replied: 3/26/2012
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    You need to see a lawyer to stop the harassment. The debts were discharged.
    Answer Applies to: California
    Replied: 3/26/2012
    Law Offices of Joseph A. Mannis
    Law Offices of Joseph A. Mannis | Todd Mannis
    Payday loans are dischargeable in bankruptcy just like any other debts.
    Answer Applies to: California
    Replied: 3/26/2012
    Charles Schneider, P.C.
    Charles Schneider, P.C. | Charles J. Schneider
    If you file a bankruptcy the loans will not have to be paid unless they were fraudulent.
    Answer Applies to: Michigan
    Replied: 3/26/2012
    The Law Office of Mark J. Markus
    The Law Office of Mark J. Markus | Mark Markus
    That depends on whether the payday loans were owed prior to you filing your bankruptcy case and whether you received a discharge in your bankruptcy. If the answer is yes to both, then you no longer owe anything on the payday loans. It's not clear to me from your post whether or not you've already filed bankruptcy. If you have not, you should have a consultation with a bankruptcy attorney.
    Answer Applies to: California
    Replied: 3/26/2012
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    Payday loans are dischargeable and those people are violating the law by contacting you and they are bluffing. They don't identify themselves or send you anything in writing so you know who they are and they are usually from other states or out of the country. Tell them you are going to pay them as soon as they send you something in writing with their identity is disclosed including name of company, address, etc. They won't do it. If they do then you have something for your attorney to take action by filing for sanctions by the court. One of those people calls my client and tell him that the caller is an officer of the law and that the client will be arrested but they don't give any information and it is an internet telephone so you cannot trace it. It is hard to have them sanctioned by the court for violating the automatic stay or the discharge injunction if you cannot even tell who they are and chances are they won't pay the amount awarded you by the court even if you bring an action against them. They know they are violating the law and they are just trying to squeeze money from people who get scared by such tactics.
    Answer Applies to: California
    Replied: 3/26/2012
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    Filing bankruptcy creates an automatic stay preventing further collection by creditors. Payday loans are dischargeable in bankruptcy.
    Answer Applies to: California
    Replied: 3/26/2012
    Law Office of Eric Ridley
    Law Office of Eric Ridley | Eric Ridley
    In a chapter 7 bankruptcy, it's likely your payday loans will be discharged, depending on your contract with the payday lender. You need to begin keeping a log of their calls, who called, and what they said. Then you should contact a bankruptcy attorney who also understands credit law (FDCPA and FCRA). The behavior you are describing sounds like it may be an actionable violation of federal law, if they are making certain threats. If so, you may be entitled to damages of up to $1,000 per violation.
    Answer Applies to: California
    Replied: 3/26/2012
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