Hi, My name is Krista. Me and my husband both were working, but still some how found ourselves in debt with pay day loan companys. It seemed like the only option at the time. Then after trying for over a year, finally got pregnant with my first child. There were complications, and in fear of losing the baby had to quit my job.
All together we have Eight Pay Day Loans totaling $ 2,210 Dollars. Four finance company loans totaling about $1,500 dollars. All together they are $3,710 dollars.
I feel so stuck and confused, we just don't know how to get away from it. We are behind on all of it by at least a couple weeks, and theres no way we can pay them as we are barely able to pay the rent. I was mostley wanting to know IF pay day loan companys will work with debt consolidation companys at all, And or if we end up filing bankruptcy (which I really dont want to do), if we can even file on them because I live in Tennessee and in this state i'm pretty sure its illegal to have more than 2 advances exceding $500 dollars. And I have also just recently heard that they can have you arrested because writing a check without funds to pay it over $100 dollars is a felony. I just don't know what to do.

Any Advice would be greatly appreciated.
Here is a list of the companys we owe and how much.
Advance America $330
Capitol Cash $280 & $230
Check Advance $330
Cash Express $330 & $280
Check Into Cash $230 & $230