Legal Question in Credit and Debt Law in Pennsylvania

4 years commencing as of the last payment you made. However, the payday loan may or may not be legal. If the payday lender is licensed in PA then they can sue. If they are not, then what they are doing is illegal and they cannot. Contact the PA Banking Department:

See this excerpt: The Truth About Payday Loans

Following a Pennsylvania Supreme Court ruling in 2009, payday loans can be solicited

and made to Pennsylvanians only by lenders licensed under the Consumer Discount

Company Act by the Department of Banking. Currently, no payday lender holds a

Department of Banking license. While payday loans may be advertised on television,

radio and especially the Internet as a reasonable option for people who need immediate

cash, its potential pitfalls can spell financial disaster for borrowers. Just because a

company advertises its services does not mean it is licensed: the Department of

Banking discourages consumers from doing business with unlicensed companies. If you

have questions about a company�s license call the Office of Consumer Services toll-free

at 1-800-PA-BANKS.