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A debtor is an entity that owes money to another entity called the creditor. For example, if you borrow an amount of money from Mr. A, then you are a borrower or debtor and Mr. A is the creditor or lender. It is a legal obligation for a debtor to pay back all the money to the creditor that he/ she has borrowed.

Debtor in Bankruptcy

A debtor is also that person who files for bankruptcy relief. While filling the bankruptcy form, the name of the one who is filing for bankruptcy, must be listed in the space marked as 'About Debtor 1'. And, in the space marked as 'About Debtor 2', the debtor's spouse's name is to be listed down.

Laws Protecting the Debtors

In the United States, there is a consumer protection law named the Fair Debt Collection Practices Act (FDCPA), to protect the debtors. This act outlines the various codes of conduct and timings for contacting the debtors that debt collectors must follow when collecting money form the debtors.

Debtors in Default

Default is a situation in which a debtor fails to make timely repayments or misses a payment or avoids making payments to its lenders or creditors. On defaulting a payment, a debtor's credit report is negatively hurt and he/ she may get sued by the creditors or collectors.

Can Debtors Be Jailed for Unpaid Debts?

Currently, in the US, there are no jails that imprison the debtors, as failing to pay back debt is not a crime. There are certain permitted ways through which debt collectors can collect the borrowed money from the debtors.

However, courts have the right to send debtors to jail for child support and for not paying the debts.

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Applying Does NOT Affect Your Credit Score

CashAmericaToday is registered with the Utah Department of Financial Institutions to offer consumer credit services. When you submit your application to us online, it will be processed just as if you had submitted it in person, establishing Utah as the jurisdiction for the negotiation, execution, and fulfillment of all applications and agreements. If your application is approved, the funds will be disbursed from our account in Utah. Please note that Utah's laws governing consumer loan agreements may differ from those of your home state. It is the applicant's responsibility to adhere to all statutory requirements related to obtaining internet loans in their state of residence. Please be aware that this service may or may not be available in your specific state, and loans are not offered in the state of Michigan.

CashAmericaToday is a brand of Silver Financial Capital. The purpose is to meet your short-term borrowing needs, not long-term financial needs. Please note that this is an expensive form of borrowing. The loans and lines of credit may be used for whatever reason you need, like unexpected emergencies, car repairs, medical bills, or travel expenses. In addition, alternative forms of financing like credit card cash advances, personal loans, and home equity lines of credit might be more affordable and better suited to your needs.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day, usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to

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