Regularly checking your credit is the best way to make sure you clear up any mistakes.

Plus it’s rewarding to see your credit score improve.

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Getting out of payday loan debt can seem daunting, but it’s worth the effort and hard work.

Taking control of your finances—and actually being able to plan for the future—is a reward worth striving for.

This means you’ll have more time to repay the loan (usually four extra pay periods) without any additional fees or interest added for that service.

Best of all, you won’t be turned over to collections as long as you don’t default on the EPP.

If you borrowed from a lender who is a member of the Community Financial Services Association of America (CFSA), then you may be in luck.

CFSA’s Best Practices allow a payday loan customer the option of entering into an EPP.There is a myth out there that you can’t include payday loans in a bankruptcy.However, that is not the case: “For the most part, payday loans aren’t treated any differently in bankruptcy than any other unsecured loan,” writes attorney Dana Wilkinson on the Bankruptcy Law Network blog.“It’s not a traditional loan with set guidelines in terms of how they work with us,” explains Fox.In spite of those challenges, there are things a credit counseling agency can do to help you get out of payday loan debt: Nobody wants to resort to this option, but sometimes it’s the only way to get out from under this kind of debt.There is payday loan help, but it can be hard to know where to start.