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Any idiot that thinks you can borrow 500 and only payback 500 is a fool.  This is why the payday industry exists. Uneducated idiots who take out loans they cant afford AFTER not paying so many other creditors that any real bank wont help them.  Who is the scam?  Why is it never the loser who doesn't pay their bills, bounces checks, doesnt tell the IRS about the loan and pay the taxes on the unearned income?  When you take money and agree to terms to pay it back that is theft, plain and simple.  The scumbag is the one who steals and doesnt have the moral aptitude to do whats right.  If you were properly educated, you would have a job that allowed you to pay your bills and not have to screw over every creditor that was previously willing to help you.  Keep calling bill collectors scum.  On average they make 80-100k a year getting the losers in life to pay what they have stolen.  Keep living check to check on mcdonalds wages, taking the bus to work, or collecting unemployment as you have no skills for life.  Look around your pathetic crap appartment because you cant afford to give your family a real home.  Always someone elses failt. Simply pay your bills and debt collectors will go away.  Yet that seems to hard for everyone.  Just keep passing blame.