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Debt Relief – Insolvency – Bankruptcy Information » Bankruptcy Help » How do I get a bankruptcy loan?

How do I get a bankruptcy loan?

I don’t have the money to file for bankruptcy as I found out that it’s at least $200 if I do it myself and at least $1,300 if I have an attourney help me. I am broke and one of my creditors has the title to my vehicle so it’s a “secured loan”. What do I do?

And please don’t give me a lecture telling me the importance of filing or a link to a website that just tells me about a bankruptcy unless it’s a site that can also give me a bankrutcy loan. I already know I need to file and I don’t have the money and I already know the importance of it. All I need here is to know how to get a loan to file, and that’s all.

Any help on this would be greatly appreciated in my time of need, Thank you.

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9 Responses to "How do I get a bankruptcy loan?"

  1. airbob61@verizon.net says:
    I doubt that you can secure a bankruptcy loan since when you file the loan will also be erased.
  2. Gem says:
    Here is the problem.

    If anyone loans you the money to file, you have to by law include this debt in the filing.

    So no one would want to give you the money as they cannot legally get paid back.

    It is a catch 22.

    The only real option you have is to sell your stuff or take another job to secure the money.

    Good luck to you.

  3. Ask M says:
    you are screwed, unless you can borrow from family or
    friend to file, I know exactly how you feel, my sister’s
    father-in-law bailed me out but I only had to pay 750.00.
    to file and I did lose my car. You are not going to get a loan
    but here is a credit site full of information for fighting creditors

    I hope you get help.

    http://www.creditinfocenter.com

  4. Feeling Mutual says:
    The thing is, if you are filing for bankruptcy, nobody will give you a loan. Instead, look at the huge credit card bills you are probably paying. Don’t pay them. They will be discharged in the bankruptcy. Instead, use the money to file for bankruptcy, and don’t do it yourself, HIRE A BANKRUPTCY ATTORNEY.

    Be sure to pay your secured debts though. They can’t be discharged in a bankruptcy.

    I reiterate, Hire A bankruptcy attorney. The laws are complex, and if you make one stupid mistake, your bankruptcy will be thrown out and you won’t get a refund for the filing fees.

  5. Pojo says:
    If you need a loan to pay an Atty and depending on the chapter your Atty can also be paid just like other creditors (I think theirs is pretty much first though). Call a BK Atty and discuss your situation.
  6. SCH says:
    I am sorry to say that you cannot get a loan to file bankruptcy, because you cannot get credit immediatly prior to filing bankrupcy or the bankruptcy will be dismissed and you will then owe the debt yourself.

    The courts must charge a $245 case filing fee, a $39 miscellaneous administrative fee, and a $15 trustee surcharge. Normally, the fees must be paid to the clerk of the court upon filing. With the court’s permission, however, individual debtors may pay in installments. The debtor may also pay the $39 administrative fee and the $15 trustee surcharge in installments. If a joint petition is filed, only one filing fee, one administrative fee, and one trustee surcharge are charged. Debtors should be aware that failure to pay these fees may result in dismissal of the case.

    I would strongly recomend borrowing the money and hiring a lawyer to do your bankruptcy, there are a lot of rules and formulas that you must follow when it comes to the bankruptcy and you don’t want your bankruptcy dismissed because you missed something…especially because if your bankruptcy is dismissed and not discharged, you still owe all the debt and you cannot file bankruptcy for another 10 years.

  7. Vin P says:
    No one will give you a loan to declare BK. It would be like the executioner asking the condemned man if he could borrow his gun. If you do try to get a loan at a bank or something don’t ask for a Bankruptcy Loan. LOL

    Maybe you can get a cash advance on your Visa?

  8. Fun N Sun says:
    why dont you go to those payday loan places that will loan you money. get enough money to file bankruptcy through an attorney and include those bills in the bankruptcy. our clients do that all the time. the filing fees no matter what state you are in is $299.00 for a Chapter 7. you must also do a credit counseling course before you can even file. they give you a certificate that you must file with the court. you also need 6 months of paystubs and a lot of documentation. i suggest you get yourself an attorney to do the filing. its also filed right over the internet so a law office can file at their desk.
  9. burt says:
    Sob_ I found interesting information about your answer & options here. (this article: Personal Bankruptcy, the myths and facts:)
    http://all-debt-consolidation-loan.blogspot.com/2007/08/personal-bankruptcy.htmlGood luck!

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