payday loans in texas

Financial matters are subject to civil actions and not criminal actions. Thus, you cannot get arrested for it. Moreover, you need to check out whether or not the payday lenders are licensed to operate in your state. If they are not licensed, then they won't be able to take any legal actions against you.

If you took these out in a storefront location in TX, and used a check to get the loan then they can file criminal charges, but it is very rare because they would have to prove that you wrote the check with the intention on defrauding the company. If it just got to be too much, then they have only civil recourse. If it was internet loans, or if no check was used then they cannot pursue criminal charges at all.

Who are the lenders? What amounts? and what have you paid back so far, if anything. Although payday loans are legal in TX, they have to be licensed.

Well a PDL has to be licensed, a CSO can set up PDLs and charge more than the state laws regarding PDLs, and only have to be registered with the state and fall under no state regulations. And as far as the internet loans go, and Texas licenses, CSO registrations etc there are more holes in that than a block of swiss cheese. Most will not, because they are not going to chance it and incur the extra expenses, but than do have at least somewhat of a legal leg to stand on to pursue the debt through the courts. Now there are equally valid precedents that one could use to argue it, and a very good chance to win. So the whole "legal" issue at least in Texas is a huge grey area.