Unpaid payday loans can go to court; these dates can wind up leaving you scared of the results of the trial. There are several things you can do to prepare yourself for your date in court, and even try to prevent it. Most payday lenders will only threaten to take you to court and will not follow through with this threat, but a few will. First try calling up the company and see if you can get the court date cancelled by arranging payments.

If this doesn’t work and you have been assigned a court summons for an unpaid loan then you will need to gather all documentation for your loan. Bank statements showing all auto-debits, and cashed checks to the loan company showing your payments to them should be collected. Second you will need to gather your signed paper work showing the terms and conditions of the loan. If anything has changed during the loan this will be the proof that you need.

Search the internet for your state laws about payday lenders. If you can find anything that shows they charged even 1% interest too high then this shows that they were operating illegally. You will want to show them this proof before the court date and offer some sort of negotiation to prevent this matter from heading into court. Even if it means you have to start paying on the loan again. You will be saved court costs, travel time, and embarrassment for having a judgment entered against you on your credit report.

One of the things you must not do is threaten to sue them back. Don’t ever make a threat you can’t back as they can turn around and sue you for harassment. You can keep a log of all phone calls and e-mail correspondence for proof of any harassment or threats on their side if it got to that level. Any proof you have of bad behavior will look bad upon the company even if it was one bad employee.  Unpaid payday loans don’t have to leave you scared, as there are always options open.