HELP! Online PayDay loan!

Hate to say it, but all you did was postpone the inevitable. Much of this payday loan stuff is barely legal, but that won't stop them. Have a heart to heart with your bank manager, maybe they will reverse the fees if you come clean. Then, straight to credit counseling.

Now, on to more important stuff. How is this affecting you? I've been bankrupt twice, so I know where you are at. This can be very tough on you phsycologically and very likely will bring on some serious depression if it has not already done so. Best advice I can offer is that there will be better days ahead.