As a result, borrowers have been forced to repay at least 166,000, the group found. Appleseed included this analysis in a Dec. 17 letter sent to the Consumer Financial Protection Bureau, the Texas attorney general's office and several other government entities. It wasn't supposed to be this way. Using criminal courts as debt collection agencies is against federal law, the Texas constitution and the states penal code.
To clarify the state law, in 2012 the Texas legislature passed legislation that explicitly describes the circumstances under which lenders are prohibited from pursuing criminal charges against borrowers. Its quite simple: In Texas, failure to repay a loan is a civil, not a criminal, matter. Payday lenders cannot pursue criminal charges against borrowers unless fraud or another crime is clearly established.
In quick quick loans, a devastating Texas Observer investigation documented widespread use of criminal charges against borrowers before the clarification to state law was passed.
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To find out whether you qualify for SNAP, check out the interactive tool on the site of the Food and Nutrition Service. Utilities. The Low Income Home Energy Assistance Program (LIHEAP) helps low-income households with home heating and home air conditioning needs.
Each state runs its own LIHEAP program with funding from the Federal Government. States can spend the money to help people pay their home energy bills, cope with weather emergencies, and make small repairs to heating and cooling systems. To apply for the program, contact your states LIHEAP office.