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Thinking of taking a bad credit payday loan? Read on and see why you should think twice about this option.

Don and Sally have spent their entire marriage, 22 years, living in a trailer park. They were able to buy the trailer from a life insurance payoff when Don’s mother passed away. There they raised two boys, a girl and the family dog. Sally hasn’t been able to work for ten years due to a broken back, and isn’t eligible for disability benefits because she is not a U.S. citizen. Don is a citizen, but did not take advantage of his youth, dropping out of school in the seventh grade, and spending most of his life working odd jobs, with a couple of long term jobs that lasted long enough for him to get credit, but not long enough for him to pay off his bills. His credit rating now excludes him from most conventional credit loans. But like most people, Don would one day need a loan in order for Sally to survive.

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