Do not take out several pay day loans at once.
Read the article below. it is right on the facts!
When you take out a pay day loan from a legitimate lender, your limit is set (usually to 25% of your monthly income) at that time. That limit is based on proven and common sense reasons for making certain that you are not loaning beyond your means.
If you take that amount out at one lender then go to another lender and take it out again, then you have personally, by your own choice, loaned beyond the reasonable means to pay the loan(s) back.
Don't blame the lender(s) for the consequences of your own choices. Unfortunately, that seems to be the trend,... to blame someone else for our own choices.
You should never carry payday loans from more than one pay day lender at a time. They do not have a magical system by which to know if you already have a loan out with another lender.
If you are over your head with a legitimate lender (most of them are CFSA members), then there are easy, no additional fee, payment plans by which you can pay your loans off.
By the way, legitimate lenders, by CFSA rules and regs, will not/can not, practice intimidating or unfair collections, nor can they take you to court. It is in their agreement of honor with you, and their choice of risk, that it is your honorable agreement to pay back the loan that they gave you. The APR that you are quoted is required by government, and it truly is not the reality on a short term payday loan, since what it really is, is a fat fee (like $15 on a $100 loan), plus a one time return check fee (maybe $25) if your check returned for insufficient funds. THERE IS NO INTEREST.
That is cheap, and pretty reasonable to negotiate with, compared to the fees, penalties and interest of traditional banks.
Check into the fees (usually 4% up front), interest (usually 20% daily) and into the way that credit card companies manage and schedule cash advances (usually at the bottom of the billing list so that it is the last bill to be paid) if you want to see phenominal percentage rates, and a "trap" that is very difficult to get out of.