Can AdvanceMeToday report me to credit bureaus for non-payment?

Possibly, but there is a critical catch.

How Credit Reporting Works:

Legitimate, licensed lenders report to major credit bureaus (Experian, TransUnion, Equifax). However:

The Condition That Protects You:

If AdvanceMeToday is operating illegally (charging usurious interest, unlicensed in your state, or violating cease-and-desist orders), then:

• The loan contract may be void and unenforceable 
• They cannot legally report a void debt to credit bureaus
• You can dispute any negative mark on your credit report as an invalid debt

The New York DFS Statement:

"Payday loans offered in New York by non-bank lenders, with an interest rate above the statutory maximums... are void and unenforceable. Attempts to collect on debts that are void or unenforceable violate the Fair Debt Collection Practices Act." 

Action Step: If AdvanceMeToday reports you, first verify if the loan was legal in your state. If interest exceeded your state's legal cap, file a dispute with the credit bureau and a complaint with your state Attorney General.