Or maybe that wasn't the question you were asking. Hi you said to wait 3 month before filling bk but how to do that. I'm sure the payday loans company will sue me and garnish loans today personal loans wage before 3 month if I close my bank account Should I tell them that I'm in the process of filling bk.
OK, I got it. They could sue you within that three-month period, but (if you file a proper answer to the lawsuit) they wouldn't get a judgment against you and garnish your wages before that three months has gone by. I recommend that you consult with a bankruptcy attorney in your area to see if filing bankruptcy would be a good option for you, and if so then move forward so you're ready to file your case just after that three-month period.
And no, don't secured personal loans best rates them anything about bankruptcy.
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