I had to take out payday loans to help with emergency expenses with my girlfriend. Because of a domestic abuse case we had to find a daycare and start paying 300 biweekly for a babysitter and bills kept piling up. We took out PDl to help but our income then decreased shortly after so I was unable to pay. I have about 6000 in PDL and about 6000 in other bills from 2009 and then medical bills that are in collections and being threatened to be taken to court. Those are just my bills not including current bills such as rent and current daycare and expenses I can not get ahead for the love of me. Tax return will clear her 8000 debt but leave mine out there and with them pursuitimg s,all claims court and no longer able to pay any on the PDL's I'm thinking filing or starting and paying my retainer fee is the only way out. Any thoughts or advice? I lost my job 3 weeks ago and start my new one Monday but those checks will only afford current living expenses.