What can I do if I had a pay day loan and closed the account but they are trying to collect years later?
If you repaid the loan, then no one can seek more money from you--your obligation was to pay the loan (repay the principal and pay whatever interest or fees you incurred). If you did not pay the loan in full, the lender or their collections agency can, in your state, try to collect from you--and sue you if necessary--for up to six years after you first defaulted (failed to pay) the loan, regardless of whether or not you closed the account.