I have repaid some of the loan balances plus additional $$$ just in fees from these payday creeps. I recently discovered that these internet loans are illegal in NC. Does this mean I don't have to repay them at all? The fees are killing me!!
I don't think many attorneys will advise you not to repay your debt just because you decide that you don't want to, or because you now regret getting yourself into a bad deal. It is not clear from your question if you have tried to work with them or not. This issue of "what can they do to me if I don't pay because I can't afford to pay them any more" is not really the question you presented.
I agree with our Attorney Generals advice here:
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Chapter 13 Bankruptcy Attorney
Call me! I am an hour east of you.
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