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If you can live on the money you earn but can't meet your debt obligations with a part-time second job or by cutting expenses to the bone, I would recommend that you consult with an attorney. Your attorney can help you determine if bankruptcy is your best option or if you just need assistance in getting the payday lenders to agree to a reasonable repayment plan. The attorney can also check the laws in your state governing payday lenders and determine if the lender has done anything illegal, which could make your loan uncollectible.

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