We’ve all been there—all of a sudden your dishwasher breaks and you don’t have enough to cover the repair until the next paycheque in two weeks. Or you’re down to your last $10 and you forgot to leave room to pay that electric bill for the month. You could overdraft your bank account, but you’ll have to deal with all of the fees that come along with it (and suddenly, …

There are many people who take out a payday loan in good faith, with the full intention of paying it back as they should. However, there are just as many who have something happen that prevents them from meeting that obligation. Then there are a few who feel they've been treated rather unfairly due to high fees and other expenditures in regards to the loan. Now, the worst thing a …