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Jun 20, 2017 A credit counselor can help you negotiate with your payday lender and other creditors, and can make suggestions based on your individual financial situation. For example, in some situations, the credit counselor may be able to secure you a longer payment plan, or may suggest that you file bankruptcy.

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Jul 25, 2014 Yes, you can file bankruptcy and discharge payday loans or payday advances. There are a number of issues that can arise depending upon the timing of the payday loan or advance in relation to when the bankruptcy case is filed.