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Our Process

# How The Review Works

Free, fast, and transparent. Understand exactly what happens when you engage our firm for a loan evaluation.

1
01.

## Verification

After you submit your information, a specialist contacts you to gather the details we need: which lender, approximate loan amount, when you took the loan out, and what state you live in.

#### Statutory Checks:

- Lender licensing status in your jurisdiction
- Validity of state exemptions or tribal sovereignty claims
- Jurisdiction-specific interest rate caps

Timeline: 10–15 minute initial consultation.

2
02.

## Evaluation

Once we've verified the basics, our legal team evaluates your loan documents directly against your state's lending laws and federal consumer protection rules.

#### Analysis Parameters:

- Effective Annual Percentage Rate (APR) calculation
- Verification of mandatory Truth in Lending Act disclosures
- Compliance with Fair Debt Collection Practices Act (FDCPA)

Timeline: 2–3 business days.

3
03.

## Resolution

Upon completion, we deliver a plain-English breakdown of your standing. We outline actionable paths forward, putting control back in your hands.

#### If the loan is enforceable:

We inform you honestly. We then explore secondary options, such as structured negotiation or consolidation strategies.

#### If the loan is challengeable:

We outline your grounds to dispute the debt, legally halt payments, or pursue recovery of funds already extracted from your accounts.

#### If collectors are violating the law:

FDCPA violations carry real consequences for collectors — and real leverage for you. We help you document and respond.

## Why My Payday Review

### Attorney-Led

Reviews led by experienced legal professionals who know consumer lending law inside and out.

### Truly Free

The review costs nothing. We tell you upfront what any next steps would cost.

### Confidential

Your information is protected. We don't sell your data and only discuss your case with you.

### Nationwide

We serve clients across the United States and review every case against your specific state's laws.

## Ready for Answers?

The review is complimentary. Submit your details and let our team go to work.

Get My Free Review