Most people know that payday loans can be a very slippery slope, yet many may not have any other choices -- it's a matter of pick your poison. For this reason, when people get behind or have put their cars or other assets up as collateral, a bad financial situation can become exponentially worse.
If you've gotten in over your head with payday loans or other high interest rate loans, you may have to file bankruptcy, and that may be the best decision you make for your financial future.
If you have decided that the kind of debt relief that Chapter 7 or Chapter 13 bankruptcy can offer you might be your best bet, you'll need to talk with a knowledgable bankruptcy attorney like Tom McAvity who can help you sort things out.
It may be that bankruptcy is not the best fit for you -- it could be that there are better debt relief options for your circumstances. In any case, getting the advice of a financial professional will be your best bet.