In 2009, Virginia passed laws that cracked down on abuses by pay day lenders. However, those lenders have found a way around the restrictions on pay day loans by creating line of credit accounts. These accounts sound like a traditional pay day loan; borrow a couple of hundred dollars for a few weeks. Since they are line of credits though, these loans are not subject to the restrictions that have been placed on pay day loans. This can mean that borrowers can end up having to pay back several times the original amount of the loan. These creditors are also fairly quick to run to the court for involuntary collections, such as garnishments, all the while adding interest of upto 360% to the loan balance.