Ok, I know most of you guys know my situation with the payday loans, but heres a little behind the scenes info on how I got there. Last July I purchased my very first home. I thought that I had finally gone to the side of the cliff and jumped off, in other words I was a nervous wreck. In October my husband had a heartattack on the jobsite, framing--construction, and had to have a stint put in. Needless to say, he lost his job, they said he was too big of a risk. Then in November I totaled our car, a 99 Nissan Sentra. My insurance, State Farm, paid 3,200.00 of a 5,400.00 debt.