Debts owed to payday lenders can be wiped away in bankruptcy.
The real issue is not the fact that they can. It is that once the consumer reaches a point that a very high-interest payday loan is necessary, there is usually a serious income and budget problem. A problem that if it hasn’t already done so, will lead to other debt, repossessed car(s) and even foreclosure.
If you feel like a payday loan may become necessary, do everything you can to avoid it. Payday loans and credit cards, for that matter, should only be used in emergency situations.
If it is too late and you are in over your head, talk to an experienced bankruptcy attorney.