I had a bankruptcy discharged in 2010. About a year ago I needed to help my family because of illness. I couldn't find a bank or CU who would loan with my bad credit so I turned to a payday loan company. Next thing I knew i had four. It is just a cycle that can't be broken. They take so much out of your checking accout that you can't pay your bills so you take out another loan and the cycle begins. I finally closed my checking account and am trying to work with them on paying them off. I am trying to get an installment loan to pay these off. Are there any legitimate loan companies who will loan to people with bad credit. I know the interest rates will be higher but not as high as a pd loan co. Help!