I've hit rock bottom

Hi, @Margie and welcome to The Find Some Money Forum. I'm sorry to hear about your financial troubles, payday loans can be very dangerous. My suggestion is to contact the payday loans company to inform them that you are having trouble repaying the money. Stop taking out more loans to cover existing loans. Ask the creditor for a plan to pay off the loan, also ask if interest can be frozen so you can pay the money off quicker. You need to reprioritize your budget and find more surplus income which can be used to pay off debt. I hope this suggestion helps. Good Luck.

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