I have almost got my life back. A year ago, I had $11,000 in payday loans, and almost $30,000 in unsecured debt. I was going negative in my bank account the day my check went in. I almost lost my car. That was a wake up call. With the help of my bank, I have reclaimed my life. They froze my checking account. I sent letters to all payday loan companies that were not legal in my state, and to my surprise, I started to receive paid in full letters. A family member paid all of my unsecured debt and I am repaying him now at zero interest. I want to pay my bills.