Is Bankrupcy my best option?

How much do you owe in total?

Have you closed your bank account and opened another? Are your PDL's even legal?

I have not closed my account yet. All of them are legal. You checked them for me already on another question I posted.

My total debt is about 6000.00. With my everyday living cost I can't afford the loans anymore.

Betty, have you contacted your lenders and asked for an extended payment plan? You might try telling them that you are not able to be garnished and if they sue, they'll end up getting nothing. Normally they only want to give you 4 "paydays" to pay them back, but I think it might behoove you to talk to them and tell them you sincerely want to pay this back but you have to have more time to do so. Ask them to stop debiting your account because that's only extending the time it will take you to pay them back.

I would not declare bk for only $6k. Just stop paying and try to settle.

maybe I'll close my account and try to settle that way thanks.

So sorry to hear of your cancer. You may want to not file bk now so that you have the option in the future if you are overwhelmed by medical bills.

I did what you advised me to do I did get a EPP from cashnetusa. they were very nice no problem.First bank of deleware is really something to deal with. SO i'am goning to close my account and pay them by money order and if they dont want to take my payments so be it. Sue me they cant get what I dont have. And they cant garnish my wages because I dont have any. I get social security now. I have worked out a solution to pay off my loans. I have 4 that is 243.90. I will pay out 2 in full, and 2 by using EPP's. The other 3 I will rewrite for 3 months 'and pay them out one by one. by December I will have them all paid out! And that will be the end of payday hell for me!!! thank so much for your help. This site is GOD sent for anyone who is in trouble with payday lenders.

Oh buy the way I have full coverage for my medical bills thank GOD for that.