In 2009, Virginia passed laws that cracked down on abuses by payday lenders. However, those lenders have found a way around the restrictions on payday loans by creating lines of credit accounts. These accounts sound like a traditional payday loan; borrow a couple of hundred dollars for a few weeks. Since they are lines of credits though, these loans are not subject to the restrictions that have been placed on payday 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 up to 360% to the loan balance.