I have fallen into the payday loan trap. several payday loans I have fallen way behind in everything. I have an appt with a lawyer this week. my question is has anyone tried an online bankruptcy site or is it all a bunch of false truths and should I just stick with a lawyer, does any know of a reptitable site…thanks.Paul
Is there anyway to get payday loans, legally, without filing bankruptcy?
how can i pay it off when i do not make that much money. Should i file for bankruptcy or continue looking for options such as settlement co for the loans and credit card debt. Should i forget bout the checking account being overdraft
do not want to take out any more payday loans also for the last several months the account has been overdrawn almost $ 1,000.00 per month
if you write bout getting even more debt on top of other debt when will i be debt free with nothing to worry about. right now the checking account is nearly $ 800 over drafted. last month it was nearly $ 1,000.over drafted
I bought a BMW Z4 2 months ago. I have yet to make my first payment on it after a downpayment of 1500. i don’t have good credit(low 600) and i have a few charge-offs and i applied for more than several cash advances just to pay my bills and i don’t even remember i owe who and who and i never answer the calls from them or from collections. I figure sooner or later i will either file for bankruptcy or let it row for 7 years. I do have a second car(my mom’s car) that’s paid for and in her name that i use. coz my mom got her own camry(also paid for).
I am wondering if i should just keep driving that Z4 for a few months without paying till they eventually repo it. (to make my downpayment 00 worthwhile) and when they sold it and ask for the difference, my payday loans and others will be over 90 days and i will include everything i owe and file for bankruptcy.
or should i keep paying for it even though i might eventually give up the car anyway after one year? my credit is already pretty damaged(low 600).. what should i do?
P.S. if i do decide to just don’t pay.. i can use the money for my horse-riding lessons and other fun stuff..and get my laptop back from my pawn shop which i will do eventually anyway.
For all before you start judging me(and i know you guys will) i owned a biz at the age of 21 and I used to the luxury of things i had money for… and never care much for credit. since i had enough cash. after the biz ran to the ground, i have been trying to figure out my next biz venture. (i hate to work for ppl).
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!
When i was young in college i received 3 different credit cards, maxed em all out never repaid them, i also took out many money payday loans, never repaid those, and now i can’t get anything because my credit is so jacked up. i also have some other things that are on my credit report & i don’t know what to do i have never purchased anything and basically i feel trapped because i will never be able to get anything without a decent credit rating. should i file bankruptcy or where do i begin?
I got two payday loans right before filing chapter 7 bankruptcy to help with the court chapter 7 filing fee. I filed Pro Se. The loans both totaled 0 dollars . Do I have to repay (or reaffirm )them since they were less than the 0.00? .Also taking the loans less than the 70 days of filing the bankruptcy . I did not know this before I filed . Only after doing research did I discover this.
I am a 27 year old who has a great job, yet has found himself in trouble with STUPID payday loans. I have a finance degree and cannot believe i have found myself facing this taboo topic of bankruptcy. Though i make good money, i cannot pay off these loans nor my bills. i feel bankruptcy will enable me to afford the simple things…i.e groceries. i have a meeting next week, i feel its my only choice…yes, my debt is consolidated and thats not helping…and creditors still call my work