I have read many of the topics on this forum and they are mostly about payday loans and credit card debt. I have only one payday loan, no credit cards, but about $5,000 owed to local finance companies, 8 total. The kind that have you promise them certain property (such as TV's, computers) to get a loan. I have been paying $645 a month in payments, not including the one payday loan. I am currently overdue to 4 of the companies.
I applied to CCCS of Texas, through Credit Advisors.org, but they said they don't handle those type of loans.