there's hope, but i have another question

[tropolis]

i posted a thread called im screwed yesterday about my unemployment overpayment.

i called a lawyer and he said i could discharge that in a bankruptcy. ive got about 5-7 grand of other credit card debt, etc that im going to put in, and a overdraft bank account im putting in.

2 questions.

1. can i put pay day loans in it?
2. are there programs for people like me who are unemployed and have no job, but need to file.

altogether, itll be around 15,000 ill be putting in the bk. might not seem like a lot, but i learned the hard way that debt isnt for me. im proud of the fact that i havent used a credit card in 3 years. anyways, help would be great with those 2 questions.

[DeadManCrawling]

You should be able to get rid of all those debts, but if they are recent, you may need to wait to file.

There is Legal Aid for lower income people who need assistance, and I am sure there are other programs.

You can also ask to have some or all of the filing fees waived based on income, but I am unsure of how to do so and what requirements are required.

Good luck!

[tropolis]

my credit card debt is years old. like i said, i havent used a credit card in 3 years. payday loans were from a year ago.

everything is cash now.