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Question About Unpaid Payday Loans And Bank Accounts?

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My friend Amy is struggling due to financial situations and she couldn’t afford to pay her bills. Her bank of America closed due to her checking account being overdrafted for too long and she wasn’t able to pay back the two of the payday loans she took out. I was wondering how many years it will take for the closed bank account and pay day loans to go off her credit. Also how many years will it be until she can open a new bank account some where else and how badly will it affect her credit?
Thank you in advance!


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