<prompt> Human: Ive never posted to this subreddit, but I wish I had in the past. To make a long story short, my username is exactly the situation Im in. I made a series of extremely poor financial choices that I regret basically using my overdrafted account as a fucking credit card like an idiot, and having a pretty good record with my bank, they let me overdraft and overdraft up to almost 1,700. Now I finally had the courage to see how much I was fucked, and boy, am I fucked. I have a payday loan coming in on the same day of 600 the title was a typo.I called Chase, and they said they cant close my account. I called my HR and was told I would have to speak with payroll in the morning, but it was probably too late to cancel my direct deposit since its basically in action already. Ive done the math, and my paycheck still wont even cover the overdraft, let alone the charge from the payday loan place on Friday. Basically, as soon as I get paid Its going to be completely gone.I have rent due on the 1st, and I have absolutely no way of borrowing any money from any person or institution. Im on the verge of having a metal breakdown, and Ive been in tears all day.A friend told me to post here, with the vague chance that some advice might be offered to help make this situation less severe. So I ask you, rpersonalfinance...is there any hope for me? Am I fucked as much as I think I am?  <response>: rborrowUse your actual Reddit account not a throw away. Maybe someone will take a risk on you. Ive never not made rent, so never been in this situation. I feel like i would be talking to my landlord ASAP and seeing if we could work something out late payment with interest or something. Stop spending money you dont have. Sit down and make a detailed budget and stick to it. Non optional 