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Hello! Here's my story--I have 1 store front loan and 3 online loans, plus one online installment loan.......As I'm sure you already know they are killing me. I'm in Ohio if that information is helpful.

I plan on opening a new checking account. And then pay them off one at a time. I really don't know what else to do. I borrowed- I owe, but I can't pay all these back with taking my household down at the same time.

So what advice can anyone offer, what should I expect.

PS: I also owe the IRS and need to get a pay agreement set up and these dumb decisions I've made are preventing me from doing that.

Thanks in advance!

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