How do i know if i have HPV??

I have something on my thigh, in the crease between my scrotum and my thigh.. it started as one small little thing that looked like a verruca, then it got flat... then after about a week it got lil sores on the tip and now looks like colliflower.. and a few other small ones have emerged... i dont have insurance and im totally emberassed to go to the doctor.. how do i know if i have HPV what else can it be?.. could it be a rash? the biggest one is stuck to my skin and kind of hangs.. what would happen if i cut it off?

Do you not have a local county clinic you can go to? I'm pretty sure every community has one. HPV can cause genital warts, but what you are describing doesn't sound like genital warts.

IM me and tell me what city and county you live in and maybe I can find a local clinic for you to go to.

What you are describing sounds a bit more like herpes, but you would have to get checked out to know for sure. Do the areas hurt?

You have it man. Dip it in gasoline and light it on fire because you won't be needing it any more.
Swallow your pride and see a physician. Sounds more like gential warts than HPV. And don't pick!
U have to go to ur docter and get tested for it
You need to go to the doctor, whether you can afford it or not. If it is something serious, you need to get it treated.
Suck it up and go to a free clinic. HPV turns in to cancer (some types). I can not tell you if you have it because they a million different types.
DUDE! Just go to a doctor. Swallow your embarrassment.