try calling an credit agency that help people with bad credit.

I know what you mean I am in the same boat, I pay 357 dollar a month. Pay Day loans are a debt trap. What I am doing is I am getting a second job and that extra income will go to paying off these ridiculous pay day loans.

unfortunately the only loan you can get with bad credit is pay day loans. But don’t do it get yourself a second income and pay them off as soon as you can.

I had to get out of the trap by paying slowly, I did not have much choice in the matter. Another option, if you go throught the loans section in the phone book, some of them will give you a very small loan (they will require Serial Numbers from anything you own though)then you can start to rebuild your credit that way.

hang in there, you may have noticed that state after state is outlawing payday companies actually running them out of town because the wording and terms of there contracts violate some laws, contact your local attorney general and if you have access to a recent aarp newsletter article there is some interesting lawsuits that will affect the payday industry from now until doomsday