Thinking about taking out a payday advance loan but worried about falling into a debt trap? Read this real-world scenario of how one person navigated the maze of payday advance loans to stay out of debt. -------------------------------------------------------------------------------- Ever wonder how some people manage to take out expensive payday advance loans and still come out on top financially? It?s not easy, but it is certainly possible. This is the story of Emily, one person who used a payday advance loan to dig herself out of a financial rut. -------------------------------------------------------------------------------- Emily?s charge card, car payment, cellular phone bill, and rent were all due in three days, $1,500 total. Emily had $500 in the bank. Her monthly pay check wouldn?t come for ten more days, and her boss said no to a payday advance. Loans were out of the question, she thought. She needed the money in three days, and a bank loan would take that long just to mail her the paperwork. -------------------------------------------------------------------------------- If Emily was late paying her $300 credit card bill, she would incur a $35 late fee which would make her balance exceed her credit limit, earning her a $50 over-the-limit fee. She couldn?t afford to be late on her car loan, cellular phone or rent, even though there were no late fees. Having paid each of those bills late a few times in the past, she?d be skating on thin ice if she did it again.