Personal loan after bankruptcy?
112550
There are many loan companies that have the idea that since you just came out of bankruptcy you are a safe bet because you have no debt and can not file bandruptcy again for a long time.  Call around your area, or there is a good chance the furniture company has several lenders willing to help.  Ask them.  Good Luck.
120218
Look for a financial advisor, like in H&R block...Don't file bankrupticy until you are sure you don't have any more options.God luck.Don't try to do all by yourself, they have helpfull information that we don't.
529873
If your credit is already shot, bankruptcy might be an option.  That way you don't need to pay back your unsecured debt, and you can start rebuilding your credit once you aren't trying to pay too much each month with too little money.  Be aware, though, that a bankruptcy will stay on your credit record for seven to ten years.  \n\nIf you already find that you can't get credit because you've had problems, it won't hurt you, but if your credit is salvageable, try contacting a consumer debt management outfit.  They will negotiate with your creditors to reduce or possibly even eliminate interest rates, and you will pay the outfit a flat amount every month, which they will pay out to your creditors.  They usually charge something for their service, but it is not much and it is a whole lot less than what you are probably paying in interest on your existing debt.\n\nGood luck.  There is a light at the end of the tunnel.  You just have to perservere.
7418
Credit is nothing more than an agreement, a promise.  If you failed to pay in the past, and you want to get someone to loan to you again, you have to repay what you borrowed.  If you are going to instead see how little you can pay to eliminate your past debt, your new lender has got to think that you will treat him the same way.\n\nPay your debt...or suffer the consequences.  As you said, you made some bad previous choices.  Either own up to them (and pay) or work through the various options of being a renter until your bankruptcy is discharged, etc.\n\nIt's hard to get a new lender to believe you are credit-worthy (aka, "trustworthy") if your primary goal is to *NOT* pay your debt in full.
1125516
Yes, you can get a student loan even though you've filed bankruptcy within the past 10 years. You can also get other loans and credit cards.
474906
As long as you are not in default on any existing federal student loans, you can obtain new Federal Student loans (Stafford, Perkins, etc.), which don't require a credit check.  You will, however, have a very hard time finding private loans after having filed for bankruptcy and any company that will lend you money will probably do so at a very high interest rate.  I would be very cautious about using the link that the above poster supplied, too (notice how they ask for your SSN before they will send you an informational packet?!).  Apply only with legitimate companies (talk to your school's financial aid office if you aren't sure what's what).\n\nWhether or not a student loan can be discharged has no bearing on your particular situation (so I'm not sure why th first poster mentioned it).  To "discharge" a loan is similar to having that loan "forgiven" or "cancelled" -- it means that the lender is telling you that you don't have to repay it anymore.  This is NOT the case when a borrower files for bankruptcy -- a Stafford loan can't be discharged in a bankruptcy situation.  Even if you're destitute and you file for bankruptcy, you still have to repay this loan.  {Perkins loans actually can be discharged in a beankruptcy situation -- but, again, this has no bearing on your ability to obtain one now...}
1172874
1st, there was a similar question to this a few days ago from confused dude.  You might try to find that answer in case this one leaves something unaswered.  \n\nNow, as I said then, I am NOT a bankruptcy Attorney and this is NOT legal advice.  This is what I remember from a bankruptcy (bk) class where I got a crappy grade.  There are 2 kinds of consumer bk.  Chapters (ch) 7 and 13.  You will need to do a credit counseling session before either ch. This will cost about $50 or so and is supposed to help prevent you being in this situation again.  \n\nCh 13 is a court approved payment plan called a re-organization where your 'excess' cash goes to pay a portion of the bill that you had before you filed for bk.  This is still easy to get into but you will be in this plan for 5 years.  \n\nCh 7 is a discharge of your obligation to pay.  You have to qualify under income guidelines that vary per state.  Under this ch after your non exempt stuff is (sold and the cash) applied to your debt it is discharged from your having an obligation to pay it.  It does not go away and co-signers will be obligated for it at that point.  There are exceptions to discharge and some of these are: student loans, taxes, child support, and fines.  This list is not comprehensive.  Also, property that is being used as collateral for loans (house, car, etc.) can be taken back or repossessed by the lien holder is arrangements are not made regarding those items.\n\nSo, if you can qualify for a ch 7 bk then you should probably not have to pay for the credit cards.  If you have to do a ch 13 then you would have to pay a percentage of what is owed to the credit card companies.  Generally this is not a really high percentage.\n\nI didn't mean to give such a long answer but I thought that knowing what your options are and what problems you might encounter would be helpful.
985459
First, before filing Chapter 7, ask you attorney to work with your creditors to see if they can reduce the debt owed by paying a certain percent of the debt owed (i.e. $.25 on the dollar) with a monthly payment plan in place.  If it is in your budget to do so, this is your best avenue.\n\nIf this is not an option and you do have to file, it will take a little while to rebuild your credit.  BE PATIENT.  You will not be able to buy a house or car (without paying outrageous interest rates or exorbitant fees) right out of the gate and will more than likely end up in the same position once again.\n\nYou will be bombarded by credit card companies to "help re-establish your credit".  It would not hurt to get ONE credit card with a very low line of credit ($500).  Use this only in case of emergencies and pay off as quickly as possible.  \n\nMost important is to be patient and not get yourself into the same boat again.  Within a few years (3 or so), you should be able to pursue home ownership or car purchases.
897310
You are actually better off than people who just break a lease and run.  Because you included the debt owed to the previous landlord as a part of your discharged debt from your bankruptcy, it should not be held against you for future rentals.  Most all landlords will run your credit when you apply for an apartment and a  recent bankruptcy isn't going to look good, but it might be a little better than an unresolved judgment against a deadbeat tenant.  As a safeguard a landlord might require a larger deposit considering the risk of your recent behavior, or you could suggest it to change a "I won't rent to you" into a "when do you want to move in".  Don't harp on the "emergencies" that you endured, but rather how much more financially stable you are today than ever before.
42594
It depends on when you filed bankruptcy and whether or not it has been discharged.  Some lenders help clients get into homes 1 day out of bankruptcy.  You will have to put some money down most likely, but the rates aren't outrageous if you're working with the right people and hopefully the bankruptcy has improved your situation as well as credit scores.  You can probably get 100% financing if you have a 540 credit score.  I'm from the MD area and know that housing there isn't cheap.  Good luck with your search!
498793
This is why you should not do your own bankruptcy.  Hire an attorney and let him/her help you.
123332
I need a loan you can help me
851962
Talk with an attorney.  There might be a way you could still come out of bankruptcy with something left.  You didn't say why you want to go bankrupt.  Do you owe more than $65,000?  If there is a way that you can not file bankruptcy then I suggest that you do not file for bankruptcy.  Do you have relatives you could live with if you lose the house?  Usually if you have a lien then any money that's taken from your pay or from what has been sold that you own first goest to paying the lien on the house.  Debts on the other hand, well you can go to Consulter Credit Counseling who can remove the interest, close your accounts, and help you pay down those bills if you have a job.  Right now there are a lot of part time jobs so you can get a second job for the holiday season and don't buy anything more.  Cut off your cable, get rid of your cell phones, and if things get really tight then sell your expensive car if you have one and get a clunker for a while till you recover.  If there are others in your family they could get jobs too.  And, if you can still have the house for a while longer then maybe you can rent out a room by the week (ask for church attenders who need a room to stay over the holidays).  But first you need to figure out how much time you have left on the house before it goes into foreclosure.  Best of luck to you.
969637
Go to a mortgage broker, they are easier than banks and have a number of lending programs. Anyone can get an FHA mortgage 18 months out of bankruptcy, so I'm sure you can get a mortgage having not had any of these past issues! There may be a few things you need to touch up but I'm sure you can get a mortgage. You just have to know where to look....and don't take no for an answer.
787989
There's still a few other options other than bankruptcy.  Here's a good website that may answer your questions:\n\nhttp://www.fixmymess.com
492384
The answer to your question is yes you can get a mortgage with a past foreclosure or bankruptcy, there are even some companies that will give you a mortgage with you being one day out of bankruptcy.\n\nYou should find you a good mortgage "Broker" in your local area. This person should be knowledgable about loans that are in the sub-prime area as well as loans that are A-.\n\nOne thing you should know about getting a loan since you  have had a bankruptcy and/or foreclosure your interest rate will not be what you read in the newspaper. One thing to keep in mind is that no matter what the rate  is it is tax deductable on your federal income tax, so you will eventually get it back, your payments will be higher. This will depend on how long you have been out of bankruptcy and foreclosure. The longer the better.\n\nOnce you have successfully paid your mortgage for a year you may refinance the loan for a better loan and this time, if you have paid your mortgage on time you could possibly get a rate that you read about in the newspaper. Remember that in addition to paying your mortgge on time it is equally important to pay your other debts, such as car notes, and credit card debts on time also. This will give you the best possible interest rate available.\n\nIf after a year and you have made your mortgage payments on time, but have had a little difficulty with the other consumer debt get a good mortgage "Broker" they have access to lenders that will give you a mortgage only loan.  This is a mortgage based solely on how you have paid your mortgage. \n\nI hope this has been of some use to you, good luck.\n\n"FIGHT ON"
702046
I doubt if you will be able to file bankruptcy on line. You can file on your own, but will probably need to talk with an attorney. Bankruptcy laws changed about a year ago. You cannot automatically get a Chapter 7 discharge. There is a means test you must pass before you will be allowed to receive a discharge. You may be required to file Chapter 13 to repay all or part of your debts. That is the new law. There are Consumer Credit Counseling companies that help those with credit problems to work something out and repay their debts without having to file for bankruptcy. They can often work out a reduced settlement out with your creditors. If it has been 10 years and you are working, perhaps it would be best to try and work out a settlement on your debt. Frankly, after 10 years, I am not sure that they could legally collect from you anyway. If you file bankruptcy your credit will suffer for many years. A bankruptcy can stay on your credit for as long as 10 years, depending on the section of the bankruptcy law you use. You really need to talk to a lawyer or credit counseling service.