I live in NYC. Back in March of 2013, I took a $5000 loan out from WS/CC. This is my second loan with then. Last year I did the $2500 but was able to pay it back after a month because I came into some money but this time, its different. I've been hit by the IRS and I now have child support payments every month plus I am working off a orthodontic debt. Lastly, I have maxed out credit cards.