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Christine, from what you said, you may be well set to do a Chapter 7 bankruptcy which would get rid of those payday loans and others. I would worry much less about your credit rating than getting yourself back on a better financial footing.
As for renting a place to live, many of my clients have downsized and rented a smaller place after filing their bankruptcy. Some places (usually larger complexes) turn them down, but they've always found a fine place to live. If you live in the Good personal loans Francisco Bay Area, I'd be happy to give you a free consultation. Just click on "Free Consultation" on the menu bar. Malcolm, how does one go about securing a bankruptcy attorney when they can barely afford to feed themselves.
And my situation is unique because I've lived with the same man for 18 years, never good personal loans and we're ending it and I am leaving without a dime.