The only income I have is 1500 social security and 150 small pension check. I know this will ruin my credit and I'll have a hard time finding a place to rent but I have no choice. I'm single, no dependents but have no assets and I'm 65. Please advise and thank you. Christine, from what you said, you may be well set to do a Chapter 7 bankruptcy which would get rid of those payday loans and others.
I would worry much less about your credit rating than getting yourself back on a better financial footing. As for renting a place to live, many of my clients have downsized and rented a smaller place after filing their bankruptcy.
Some places (usually larger complexes) turn them down, but they've always found a fine place to live.
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