I am beginning the process fo Chapter 13 bankruptcy. It will be a 100% payback bankruptcy due to my income level.
My lawyer was very clear that I need to include ALL of my debts in the bankruptcy.
Regarding the illegal payday lenders:
I had a bunch of them that I was borrowing and renewing up until February of this year. I changed banks, sent the letters, stopped paying....etc. I have not heard any more from a single one of these lenders for a few months now.