It is important to remember that the original reason you needed a payday loan is because you didn’t have the money for short term. It is a debt that you owe, a debt you need to pay back, even if it may take you some time to do so.

Can they take legal action against you? The legal action that will be taken will depend on which state you live in. And if you have moved to a different state, how the original state you were in cooperates with the new state you are living in now. Whatever it is, you can expect a collection agency will track you down to get their money back. If you don’t cooperate, they will try harder. The ability for them to legally force you to pay depends on the laws of the states.

If you have difficulty paying off your loan, call your lender and let them know. Perhaps, they can work out a payment plan with you. If you contact them, it shows goodwill on your part. And sometime in the future, if you should need to take out another payday loan, your track record will be more reasonable than if you have a known history of defaulting on payday loans.