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Annual percentage fee (APR): Curiosity and lender fees you pay to borrow money.
Due to this, payday loans is probably not legal in your state If they're, you would have to pay an APR effectively above 300%.
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Nevertheless, in case your credit report indicates that you'll owe cash for this judgment that you just discharged in chapter, I'd suggest you speak along with your bankruptcy lawyer for recommendation on coping with it.