In debt? Mortgage, car loans, credit cards and maybe even some payday loans? Well, don't think bankruptcy necessarily will be a way out – at least not for the payday loans.

Payday loans, also known as "payday advances," "cash advances," and "short-term personal loans," have become wildly popular in a bad economy for their ease-of-approval (even with bad or over-extended credit) and speedy delivery (often within 24 hours).

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