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I called the payday place and told them I'm filing for bankruptcy due to lots of debt. 30 mins later at 8:30 christmas cash advance a corporate person threatens me and says i better not file else I will get in big trouble with the law. I already closed bank accounts and got a new debit card ordered. I am going to file Friday. Now I'm scared because the lady said I'm frauding. Which I am not I took the money out for two car companies who ran my credit and didn't get approved. What are my chances or what will happen.