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Okay, here is my stupid situation. I live in California I recently filed for chapter 7 bankruptcy(meeting of creditors end of April). I have 7 300.00 storefront payday loans due in full on first of each month. Here are the questions.... Can I include them in my bankruptcy? Should I opt out of the binding arbitration clause in their contracts? HOW DO I STOP THEM FROM ACH MY ACCOUNT ON MAY 1ST? Should I close account, deal with aftermath....have insufficient funds in bank on 1st of month....tell them I've filed for bankruptcy and their is (or will be) an automatic stay?

And last but not least I'm scared, nervous anxious...about what they may try to do to me if I file bankruptcy on them! Because I did'nt disclose it to them when I took out the loan. All of the loans are reloans I've been doing with the various companies for the last 2-5 months.

PLEASE HELP ME!!!! ANY FEEDBACK WOULD BE GREATLY APPRECIATED.

I RECENTLY BECAME PERMANENTLY DISABLED AND AM LIVING A FINANCIAL NIGHTMARE, AND BECOMING DESPERATE.

Posted: Thu Apr 05, 2007 12:28 pm Subject:

Did you take these loans out after you filed bankruptcy?

Posted: Thu Apr 05, 2007 1:06 pm Subject: payday loans after filing for bk

Yes, only because I had to. Otherwise I would have lost 2100.00 on the first of this month. My loans are paid in full each month and then reborrowed for the nest month.

Posted: Thu Apr 05, 2007 1:11 pm Subject:

Do you have an attorney helping you in the bankruptcy filing? You may have to speak with him about any ways to modify the plan and include the current pdl companies.

Posted: Thu Apr 05, 2007 1:15 pm Subject:

Yes I would speak to your attorney about this if you have one because I was under the impression that you cannot add anything to it that you took out after filing...but I could be wrong

Posted: Thu Apr 05, 2007 1:36 pm Subject:

I don't have an attorney, I have a paralegal. He's not sure what to do. These loans are reocccuring loans, I did not just open them for the first time this month. I had to reloan with them this month after I filed bk because I couldn't pay them back. WHAT A MESS!!!!! These loans really are rollovers, but not in the eyes of the court perhaps.

Posted: Thu Apr 05, 2007 1:39 pm Subject:

go to paydayloaninfo.org and click on your state, at the end of the page there will be a number to call and they should be able to answer your questions