DEAR HARRY: I finally hit bottom. I had no other sources of money so I got a "payday loan." When I realized that I was paying an annual interest rate of 150 percent (6 percent for two weeks), I decided that I just had to bite the bullet and beg for help. I got on this merry-go-round a few years ago when I bought a Cadillac to keep up with my friends. The payments very soon put me in a hole, and I sold it before it was repossessed. That should have awakened me, but it didn't; I still tried to keep up. I hit up my credit cards to the max, and I started to rob Peter to pay Paul.