where can i borrow money to pay off some personal debts since i am in personal bankruptcy. I need $40,000?
969038
I can cover you. Send me the first $300 so I know you are serious.
335342
Try going to a credit union.  They usually will let you sign for an unsecured signature loan if you at least have a steady job.
588329
There are many lendors who will give you a home loan one day out of bankruptcy, look in your yellow pages, they usually state this in their ad.  As long as you have a good job, and been there a long time, they will give you a loan.  And dont sign a lease for a year, do a temporary thing, so you can get a house asap!
80332
STOP!\n\nBefore you go to a "Non-Profit" Credit Counseling company, you need to know the facts.\n\nFirst though, why do you want to get credit relief this way.  Are you trying to avoid Bankruptcy?\n\nSecond, Why can't you do it yourself? At least try.\nHeres the rub, if you go to those counseling companies, the creditors put on your credit report, "Handled by a credit counselor" (Or something to that effect)  If you go to try and buy a home at some point, and that shows up, it is the EXACT SAME as a Bankruptcy. \n\nWhat I would do, is call your creditors, and try and negotiate with them, if you can.  Tell them you can pay 50 cents on the dollar as long as they will do a payment plan.  It may not work, but only go to those Credit Counseling Companies if you absolutely have to.\n\nBest Wishes.
811257
It's the way the laws were written - the assumption is that if you went to college, you should make enough money to pay those loans back.  If they allowed bankruptcy, I'm sure that 40%+ would file, since they'd have no money right out of school.
1002174
Try your county Social Services Department.  They probably will be able to refer you to agencies appropriate for your particular need,  whether it be "crisis assistance" or "credit counseling"
760202
If you are totally desperate, and you have no assets to protect, you can file bankruptcy pro se. Many have done this.\n\nIt's harder now under the George W. Bush-sponsored 2005 Bankruptcy Code amendments. But it can be done. There is help online, especially at the newsgroup alt.bankruptcy http://groups.google.com/group/alt.bankruptcy?lnk=sg&hl=en\n(You need to register with Google. Set up a new Yahoo! or Hotmail account for that, otherwise you'll be bombarded with spam once  your real e-mail address gets online.)\n\nYou need to go through CREDIT COUNSELING first. There is a list of approved agencies, some online. Some of them -- perhaps most -- will waive their fee for really indigent people.\n\nYou CANNOT FILE until you have had that "counseling". It's a waste of time, of course, but it's part of Bush's law -- and the credit card companies bribed Congress to pass it with $40 million in campaign contributions (it didn't help the Republicans win, but it did get them the law they wanted). http://www.usdoj.gov/ust/bapcpa/ccde/cc_approved.htm (list of approved counseling agencies) \n\nSo all you'll need is money for the forms (you can hire a forms-filler person, but really you can do them yourself) and the filing fee ($299 for Chapter 7). Or (best of all) use Blumberg.com http://www.blumberg.com/ -- you may be able to do it for $50 online, although I'm not sure how that Web site works and don't have the time right now to figure it out. (I know the company's other forms very well.)\n\nI suggest you get the Nolo Press book on bankruptcy: http://www.nolo.com -- perhaps your public library has it, or maybe you can get it even cheaper on eBay -- but Nolo is very good for do-it-yourself lawyering.\n\nThere is other free legal help, but really bankruptcy isn't difficult when you have no assets (home, car, valuables) to protect. You get certain exemptions, depending what state you live in. Some states (Florida, Texas ...) are generous; others (Ohio, Illinois ...) not. But when you have nothing, it doesn't matter. Once you get a discharge, you will use debit cards. \n\nOpen an account with a bank where you have no loans or credit cards, and have only a few dollars in it when you file. And make sure you have no money in any bank you have loans or cards with because they will take that money -- even your unemployment check -- as an offset to your debt.\n\nVisit the bankruptcy court. Sit in on some sessions, talk to people there. Even lawyers if you like and if they have time. Also sit in on some "341" meetings of creditors where the bankrutpcy trustee interviews the debtors. You will be less apprehensive if you are familiar with what's going on.\n\nGood luck.
123332
I need a loan you can help me
265264
There are a few approaches you can take:\n1) File for Bankruptcy - The Court will determine how much you have to pay back and work out a schedule. Where I live it is usually about 20% of the total amount. You don't need a lawyer just go to the Bankruptcy office, fill out a form, and pay a filing fee. Their office will take it from there. The bad news is that even if you pay it back it maybe years before you can get another loan.\n\n2) Go to an accredited Credit counselor who will work out a greatly reduced payment schedule for you for a small fee.\n\n3) Contact you state or county BAR association for a recommendation of a lawyer for you who will work pro bono (for free) or at a reduced rate.\n\nGood luck.
95219
File for bankruptcy instead. You'll end up paying a much smaller percentage of what you owe and then creditors constant calls will be on hold. While your looking for a job try to get a temp job. You'll have money in your pocket, new references, and an inside chance at jobs that open up at the place you are temporairly working. Good luck.
395711
First, you have to realize and accept the fact that there is and won't be any easy way out of your debt without certain consequences.\n\nHere are a few suggestions from someone who's been and done that:\n\n1. Go to a debt consolidation company, they will make negotiations on your behalf with your creditors for a lower monthly payment. Basically, you will make a agreed upon monthly payment to this company and they will in turn disburse the money to each of the creditor each month. You can call them and tell them your situation as far as the amount of debt and your income. I can suggest one I;ve used in the past, Debt Options in FL, 800-523-0102. It will have a negative impact on your credit score, but at least you will be able to pay down the debt in a fairly short time, and you will only have to repay a small percentage of the actual debt, maybe around 10-30%.\n\n2. File bankruptcy, this is the fastest and least painful way, you can file for Chapter 7 and just walk away from all of the debt. Even though the laws have changed, you can still file for a Chpater 7 or 13 bankruptcy depending on your particular situation, you would have to speak with a bankruptcy lawyer. The fees are probably around $1000 to $2500.\n\nIf you have been in debt for 20 years, then you really need to review your situation seriously and make a decision if you truly want to regain control of your life and finances. It sound that at your current pace, you will still be in debt another 20 years from now! \n\nAs painful as my suggestions may sound, it at least provides a way out for you and then you can start all over with a clean slate, no debts! Trust mem there are millions of people filing bankruptcies every year, so it is not a life ending move, but rather a way to give you a new start.\n\nIt's your life, you can decide as you wish...good luck!
362197
I"m so sorry for your loss.\n\nDid you go to a bankrutcy lawyer?  I would check with them.  If some of the debt included in the bk was soley his, you might not be responsibe.  If it hasn't gone through completely, you might be able to file hardships with creditors who will suspend rates or payments for a little while.  Also, the bankruptcy courts might be able to recalculate payments because of your lack of income.\n\nBasically, I would see a professional.  Maybe you can find a relative to help you with finding someone that will do it cheap/free.
619596
First of all, what kind of Bankruptcy? If it's a Chapter 7, yes you can get a loan for a house. Contact me and I can help you!
180790
try applying for a personal loan at any bank or credit union
180757
there are laws protecting you to a point. The bank wants their money and they would rather you pay the entire load and not go into bankruptcy. So talk to them, ask them if you can add small payment onto the load.\n\nSeek advice from an accountant/lawyer.
628859
Depends on 1) how long ago the bankruptcy was 2) where you credit stands now 3) where you are financially now and 4) how much the loan is for.\n\nEasiest way is hit the bank and ask.
1113712
sure use the link on my profile\nlet it take you to the website that states this in its text\nWe have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required.