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My Husband and I Are Both Disabled Seniors With Payday Loans. – Margaret

“Dear Steve,

My husband and I are both diabled senior citizens, we also have custody of a great grand daughter,We are on s.s and receive a small amount fro state to care for her. I am really in a bind at this monent, I borrowed fom the pay day loans over several years, and finally it caught up with me, because I coulc no longer keep up with the fees and pay neccessay living expenses. I am now stessed out , what can I do? I know I should not have went there,but I had to try to make ends meet.


Dear Margaret,

It sounds like you should contact the pro bono bankruptcy assistance group in your state and see if you qualify for free bankruptcy help.

Bankruptcy will end all legal obligations for these debts and allow you to move forward. Otherwise you option is to not pay and let them sue you. Without assets they would not be able to collect on it.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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