i am seriously contemplating filing bk, i guess the deal breaker for me at this point is weather or not payday loans can be included. i've read mixed anwers online. some say you can and some say you cant. i know it looks like somone just went out and got a bunch of payday loans then said ok i'm going to file bk now, but thats not the situation. we've been in payday loan debt going on 2 years now and we are no closer to paying them off than when we started. we still have 11 active payday loans we havent defaulted on, and about 4 that we already defaulted on. not to mention some other stuff from around 5-6 years ago when we went through the young and dumb stage that keeps coming back to haunt us. it would be great if we could just take care of everything all at once and get a fresh start. i live in arizona. if anyone knows the answer or could point me to a good bk attorney i would greatly appriciate it. thanks.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.