I have gotten myself in a financial mess. I got hooked on payday loans and now have exceeded my available cash to repay. Things are to the point that I am delinquent on a few bills because I spend every paycheck paying this loans back. Because of the delinquencies I can't get a loan to get me out of trouble. Is there any help for someone like me? I make a decent salary.

Gee. I think your best bet would be to go ask a family member for a loan to payoff the loan company sharks.

Confess and humble yourself that you have learned your lesson and won't ever again fall into that debt trap. Swear you will pay cash for everything for here on. And then mean it.

If that does not work, you only choice would appear to be to stop paying the small loan companies, put up with their nasty phone calls, and save every nickel you can until you can payoff one of them, then the next, then the next, etc. This will be ugly but if your credit is already trashed it may not matter much.