I took a payday loan to help with some bills. Then I had to look elsewhere to pay the interest and so on and so now I have the same 10. I have other debt as well and I need to file Chapter 13 bankruptcy so I can go back to my feet. “I can include payday loans, even though I recently had some, but all have expired yesterday?

I’m stuck in a horrible cycle of paying one loan off and then going back the next day to get the money to pay the next one. I am going to file chapter 7 bankruptcy. It takes about 3-4 months to complete. What should I do with the loans that I owe now? Please help!! Thank you
I plan to include them in my bank, but what do I do with them while I am filing? Any idea’s?

Thanks again
Has anyone been thru this before?

I got two payday loans right before filing chapter 7 bankruptcy to help with the court chapter 7 filing fee. I filed Pro Se. The loans both totaled $500 dollars . Do I have to repay (or reaffirm )them since they were less than the $750. 00? . Also taking the loans less than the 70 days of filing the bankruptcy . I did not know this before I filed . Only after doing research did I discover this.

The Piedmont Chapter of Credit Unions hosted a Legislative Roundtable Discussion on August 20, 2009. It was held at the Dutch Inn in Collinsville, VA