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Debt consolidation takes all of your debts, or a segment of them, and combines them into one payment that is usually significantly lower than the total of all your current payments. This can be done through a bank or a debt consolidation company. You end up making one monthly payment through the lender instead of 

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Learn what happens to payday loans in bankruptcy, and some special issues regarding these cash advances. In most cases, you can discharge a payday loan in Chapter 7 bankruptcy. There are, however, some special issues you should consider when filing bankruptcy if you owe money for a