You should not prioritize paying the payday lender over putting food on the table or paying the rent, Saunders says. Cover basic needs first: You may be eligible for community assistance plans for help with rent, utilities or food Seek advice from a nonprofit credit counselor, bankruptcy attorney or legal aid center about your next moves.
Its not worth filing for bankruptcy over one small debt, but you may want to consider it personal loans denied your unsecured debts - including payday loans, credit cards and medical bills - total half or more of your income. Dont delay and hope the debt will magically go away - it wont. Time never makes debt go away, Ulzheimer says. Bankruptcy does.
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