Don't know where to begin....Want to File

[tiredofdebt]

Thanks LPRN...i found a couple of bk lawyers. I am going to call today and try to schedule appointments. I would like to file as soon as possible. I never made any cash advances....and i only have 3 cc...w/ a credit limit of 300.....only thing i charged was $46....other fees are the annual fee...and all these other fees the ccc requires. I do have 4 outstanding payday loans.....i had no choice but to close out my account before i owed not only them..but also the bank....