I have several payday loans. Got into some financial trouble and got desperate. Not my proudest moment, but now they are killing me. My questions are,
1) If I had a loan with usfastcash for $300 and paid it off, and received a new one. I ended up paying around $700+ for the $300 loan. Should I still pay off this new loan which is for $400 or consider it paid in full and tell them that, since i believe thay are illegal and I already paid so much?
2) I am already in chapter 13 and these loans were obtained afterwards, again, emergency situation called for it. Does that matter?