After going to debt counseling,I had no option left except to file a chapter 7. Listed with my debtors are 2 payday loans,2 weeks prior to filing,I took out a payday loan for 5,yes it was stupid,but food on the table seem more important at the time.I called and informed them,that I had to retain a lawyer,and was informed that when I signed the contract I would not be filing bankruptcy within 30 days,and my attorney was a personel friend.I did not plan on filing,all other options were used up.Can and will this effect my bankruptcy? Also,the 2nd payday loan I borrowed from is a prominent member of the community,and told me he would get his $ one way or the other,even if it ment following my butt all the way up the court house steps.I am a emotional wreck! The stress of the bankruptcy has taken it’s toll,and now this.I will call my attorney on Mon.,but if anyone could help relieve some of this emotional roller coaster,I would deeply appreciate it!

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I got into financial trouble after my divorce when my ex wasn’t paying child support. I am still so far behind there is no way I can ever catch up! I want to file bankruptcy, but when I called a bankruptcy attorney he said it will cost me 00 up front to file. If I could afford to pay that, I wouldn’t need to file bankruptcy! Help! Is there another way to file without paying all those fees?
Let me add that I have not been paying these creditors for a very long time. I can barely afford to pay rent, utilities, car payment and put food on the table for my kids. There is NO WAY I can come up with that kind of money!

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