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You cannot bankrupt a payday loan. The truth is your going to have bad credit anyway, so just don't pay the loan. The loan companies won't bother taking you to court. Most courts would not side with them anyway. The judge would let you off with a lecturing on managing money better and if you can't pay them off, it just goes on your credit report. It will be off before your bankruptcy will.

Payday loans are often secured with a personal check. If you fail to make good on a personal check you could be found guilty of "check fraud", which would end up taking you to a different court altogether. Talk to your bankruptcy attorney on that subject, laws are different in each state.

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Q: If you received payday loans and you are preparing for Chapter 7 in PA can you include them if you were not planning on adding them when you received the loans?
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