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Some borrowers take out other Payday loans to prevent the catastrophe that will sooner or later happen when the first Payday loan defaults. These loans should be avoided. If you or someone you know is caught up in this trap and need help please contact Kansas Legal Services, 800-723-6953 for free legal help from a 

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Lenders must send out a default notice 28 days before actually registering a default; If you complain, your payday lender should acknowledge receipt within five days; If you aren't satisfied with the response, you can raise your case with the Financial Ombudsman after eight weeks; Each complaint is assessed individually by