cannot see any other way

and this is a good site, thanks to all of you.

got caught up in payday loans trying to keep my other bills paid. Now my bank account is $280 in the red and every day there is a new withdrawal attempt with NSF fees. I'm getting calls from all over the world and most of the time I can't understand a word they are saying. I don't know where to begin to dig myself out of this mess. Can anyone tell me where to start?


The disadvantages might not be so clear.
According to the CFA, the typical payday borrowers are:

Younger consumers with limited understanding of finances
Consumers deeply in debt
Consumers struggling to meet their day-to-day financial obligations
Consumers with a history of using high-risk lenders
For consumers in these categories, payday loans may not be such a good idea. Sadly, millions of Americans experience shortages of cash not as an occasional situation, but as a long-term one. Short-term solutions may even lead to a downward spiral of increasing debt.

If payday loans are extended over too long a period, or if a consumer takes one payday loan after another, it will put a strain on his or her financial situation. Payday loan fees are very expensive, particularly if a loan is extended over time. The fee charged for a payday loan is equivalent to a 250-650% Annual Percentage Rate (apr), which is by far one of the most expensive loan options on the market.
A number of payday lenders will automatically renew your loan at the end of the 14 day period. They will only deduct the fee, leaving the consumer to owe a new fee at the end of the next period. If the consumer never takes action to repay the loan, the fee will be deducted repeatedly. A consumer with a $100 loan with a fee of $25 will, by the end of 8 weeks, have paid $100 in fees and still owe the original $100 loan. If the loan is not paid for an entire year, the consumer will have paid $650 in fees on a $100 loan that still isn????????t paid back.

If you are looking for a online payday loan throw your computer out the window and go to family or friends and ask them for a loan. anything but a payday loan. It always starts with one!

Martin, don't take a payday loan in any case. Just keep yourself away from it knowing the fact that you are falling short of money. Think when you will have to pay it back later. These loans will add up with interests and fees in no time. And, your account will drain into the negative. Use caution now before it gets late.

Like aaronmedres said, if you can get help from your family or friends, go to them instead of asking help from someone who will suck you dry. Remember, they are professionals and care for no one.