<prompt> Human: Hello, I have a special circumstance. I have always been on time with my bills and even paid off my old credit cards. But last year I was scammed by a couple pretending to be in the military. But before I knew this I lent them a few thousand dollars thinking they would repay me. But they didnt, and I never heard from them again. So with this being said, it causes me to fall behind on my new cards I got and my house payment. Not knowing about the high interest that payday loans have, got some trying to pay my home. But all this has caused a snowball effect. Im pretty lost right now. I never thought there would be mean people out there taking advantage of others trust. Once everything is caught up, I wont have a problem making payments. I was doing really great, till all this happened. I do not want anymore payday loans. I want a loan so I can get out of this. The hardest thing about this is that, since I have been late on payments; my credit is bad.  <response>: We will have to know a bit more about your situation in order to help. Can you post a full budget? A full budget contains your monthly take home pay, a list of all your expenditures everything you spend money on, not just fixed expenses like rent, and a full list of all debts with their total amounts owed, minimum payments, and interest rates.Also, single out what debts are you currently in default on. 