If you're seriously considering bankruptcy, I recommend you speak with an experienced lawyer who can assess your entire financial situation and help you make the best decision regarding how to proceed. But as far as I know, payday loans can be discharged in both chapter 7 and 13 bankruptcies. If you just took them out and then you file right away, you could run into some problems though. There are others here who have more experience with bankruptcy law, so perhaps they will chime in too?
