[idiot]

...under 20,000 after you filed bankruptsy 5 years ago no 2nd mortgage. I would like to find a lender or organization to help with a 5 to 6 year loan. I want to pay off debts. I had a medical set back and need help. I just keep getting turned down by banks simply because i filed bankruptsy. Dont know where to turn.

[Joseph F]

No-one will lend you money until usually 7+ years after you filed bankruptcy, and if your financial records show that you are BACK IN DEBT after having filed once already, no-one is likely to lend you anything!

You need to face up to the fact that you are mismanaging your money, and take some action to change that; do you have any kind of contingency plan to help with the "unexpected" expenses that happen to everybody? If not, that may be the root cause of your difficulties. Either you spend too much, or you don't earn enough, and you have complete control over both of these. Figure out which it is, and FIX IT!

Best wishes...

[paynedogs]

If you have been making payments on time for the 5 years since your bankruptcy and have some type of collatural, you should be able to get a loan, but it's not going to be a signature loan!! They look at the reason you filed bankruptcy and what you have been doing since to assure they will not get "left holding the barrel". Medical expenses are the worst and when something happens, it's always unexpected and we're unprepared. If you have a home, you may have no option but to take a 2nd and make sure you take the smallest amount possible. Also, have you tried to work with the medical people to make monthly payments. If they know you are trying, they are usually willing to work with you and those payments will be interest free.