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<including painfully enough pawning our Wedding rings.>

#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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Filed under: How To Save A Marriage

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