K well like many out there i got stupid a year ago & had to take a Payday loan out to Survive, Well now im paying for it big time. Now i got several payday loans…& i cant keep this up.
I learned my lesson But now i need to find a way to free myself.
Im reacently Married & this has become a burden on both of us, If you read some of my Other questions you can see my Marriage is breaking apart, & the biggest cause are the fact we have few reasorces because of these Payday loans.
Now I have already tooken many Steps:
#1 I have already Closed my Old bank account to keep then from Withdrawing fees.
#2 i have changed my cellphone number to stop them from duing the annoying calls BUT i still try to keep in touch to update.
#3 I have TRIED to takeout a Loan with my Bank to pay these off but BOTH my wifes AND my Credit are Crap.
#4 i have repetedly Called them trying to set up a payment plan With them but there Refusing to work with me or AT LEAST work with my budget.
#5 i have basiclly completely Defualted on at LEAST 3 of them. so i can TRY to pay the others but our Budget STILL wont let me pay MORE then the fee’s & charges.
#6 we have set a budget & sold EVERYTHING we can afford to sell or can sell
#7 We BOTH have tried looking for a 2nd job but neather of us can find one. to make things worse our current jobs have DRASTICLY cut our pay AND hours back.
#8 we both live in Texas, & i have TRIED to Reaserch texas laws but i dont understand all of it.
#9 I WAS thinking of Bankruptcy, Because we do NOT own a car or a house We rent from her In-laws, We have NO kids, Were both young in are 20’s, Her Parents WILL NOT help us & I my Family gone…
If i do file Bankruptcy i want to do it in a way that will NOT involve my wife in any way!….If i can. Mostly i dont know how to nor do i have the money to File Bankruptcy.
can ANYONE help us consolidate? or know a way we can conslidate these loans?….Im so lost & WE NEED help….I knwo what i did was stupid in the past, I have learned my lesoon about payday loans, Now i Just want to escape & get a chance. PLEASE HELP..any Adivce wil lbe helpful.
Please i dont need ANYMORE payday loans, I need help Do not Answer this if your solution is another payday loan!! or a loan that i cant get. Again i have crap Credit
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First off your charted on dangerous territory… Those payday loan places are dangerous cause of the extreme interest rates. Your probally only choice is too file bankrupcy. Check the bankrupcy laws in your state. If a bank has turned you down for a considilation loan most likley it was caused by the poor credit and payday loans. So I would seek a lawyer now, before it gets worse
You can file for bankruptcy but unfortunately it will still affect your wife. You are a married couple now so what you do affects her and vice versa.