text: What happens is they take you to civil court it is not a felony ,they dont issue no warrants and they place a judgement against you and you have to pay back-if your dont pay judgement it puts a mark on your credit and they will garnish wages (in some states)and get it back -point is ,it has nothing to do with the law-its a loan they handle it in civil court-dont get messed up with the payday loan stuff -it very hard to get back out of the hole.