For starters, I recently took out a few payday loans when I was kicked out of my house,so I could pay bills,have food,etc. The loans totalled almost 3,000 dollars. The loan companies starting garnishing my account to reclaim their payments I owed them. My checking account is now 2500 dollars over drawn,which has me freak out. I also have credit card debt of about 1200 dollars,and a school loan of 5000 dollars that needs to be paid off.. I really don't know where to go from here. Any help would be greatly appreciated... Thanks...

Yikes, sorry about your situation... do you attend church? Perhaps they could offer help? You need to avoid the payday loans... they are bad... they basically take advantage of low income people... charge way too much interest. How did they garnish your account? Did you give them access to it?

The school loan and credit cards may need to wait for now... they should be on the bottom of your list... did you get a new place to live?