I have payday loan and credit card debt
Yes, with the type of creditors you mention.
General legal advice is offered for educational purposes only. A consultation with a qualified attorney is required to determine specific legal advice as to your situation and applicable law. We are a debt relief agency and we help people file for relief under the bankruptcy laws.
Chapter 13 Bankruptcy Attorney
No creditor (save the IRS) can seize any assets without a judgment. If you are served with a lawsuit, always get legal counsel. Never wait for the supposed trial date to do this. Never file an Answer or response yourself.