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Sandra, your experience with payday loan companies trying to collect debts is pretty typical. They're known to say all sorts of things that aren't true. Since your comment here is about my payday loan article, I assume you read it and know that your payday loans would be treated just as any other unsecured debts (like credit cards) and would be discharged (eliminated) in your bankruptcy and that you will not go to jail because of that debt.
I strongly recommend that you consult with an experienced bankruptcy interest rates today for personal loans in your area. If you're in the San Francisco Bay Area, feel free to get a consultation with me: https:ca-bankruptcylaw. comfree-consultation. I have so much debt in payday loans I cant afford to pay them back and credit cards can I file bankurpty on them all and personal loans im so much in dept I cant do it nomore ocbc money loan so stressful and medical bills.
Michelle, from what you said, yes, bankruptcy would be able to get rid of your debts including payday loans. Be sure to consult with an experienced bankruptcy lawyer in your local area to be sure, because details (more than can be discussed here) are important.