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A study from the Center for. Financial Services Innovation (CFSI) (Levy & Sledge, 2012) estimates that payday borrowers take out 11 loans annually and are in payday loan debt 150 days (41%) each year. Even payday lender data confirm heavy borrowing: Advance America, the nation's largest payday lending company,.

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Oct 22, 2015 A similar scam impacting Advance America started in Minnesota earlier this month. The company is not responsible for the calls in Minnesota or Kentucky and advises consumers that requests for personal information or threats of legal action about a payday loan debt are signs of a scam.