Can anyone on here help me with my payday loan debt? I was inexperienced and apparently didn't realize how bad payday loans really are. I first got two so I could pay off bills after my car broke down, and was barely making the minimum payments. Then I was trying to get a bad credit loan (my credit is AWFUL), and Fremont Lending Group contacted me and (aaugh!) I believed them at first, when they said I could get a $10,000 loan if I paid the first 5 monthly payments in advance for security.