I'm soooo glad there are loans for people with bad ciredt. I kind of screwed up my ciredt several years ago; I was young and stupid. But I'm a lot smarter now than I was back then. I watch my money well, make good shopping decisions, and I'm on my way back to having great ciredt  but I'm not quite there yet. I still get turned down because of my ciredt, and it's hard finding the help you need if you don't have a perfect ciredt history. I'm so thankful there are still places out there willing to help people like me.
If there is anyone you can boorrw from I suggest that first before filing bankruptcy. It dosnt sound like your in THAT much debt. If not is is possible to find a part time job just until the debts are paid off? THEN, stop using checks for a while until you  train  yourself to not use those horrible lending institutions! Trust me, I have been there too! If you let them go they will harass you, I have had a couple work with me in the repayment process if I paid it off in a month! Good luck, just think how great it will feel to be out from under their claws!
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