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    ent higher than average, watch out for excessively inflated rates. Comparison shop to see what kind of deals you get offered.

    HIGHER FEES

    As with the interest ra

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    Most people have needed a little extra cash at some point in their lives. And just because you've declared bankruptcy doesn't mean you can't get approved for a loan or line of credit! However, your special circumstances mean that you may have to accept some conditions, such as:

    HIGHER INTEREST RATE

    Since your credit history has some black marks, lenders will view you as a riskier borrower. From their perspective, you're more likely to make late payments, miss payments or default on your loan. In an effort to balance out this risk, many lenders will charge a higher interest rate to borrowers who have declared bankruptcy in the past. Although you can expect to pay a rate that's one or two percent higher than average, watch out for excessively inflated rates. Comparison shop to see what kind of deals you get offered.

    HIGHER FEES

    As with the interest ra

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    it! However, your special circumstances mean that you may have to accept some conditions, such as:

    HIGHER INTEREST RATE

    Since your credit history has some black marks, lenders will view you as a riskier borrower. From their perspective, you're more likely to make late payments, miss payments or default on your loan. In an effort to balance out this risk, many lenders will charge a higher interest rate to borrowers who have declared bankruptcy in the past. Although you can expect to pay a rate that's one or two percent higher than average, watch out for excessively inflated rates. Comparison shop to see what kind of deals you get offered.

    HIGHER FEES

    As with the interest ra

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    marks, lenders will view you as a riskier borrower. From their perspective, you're more likely to make late payments, miss payments or default on your loan. In an effort to balance out this risk, many lenders will charge a higher interest rate to borrowers who have declared bankruptcy in the past. Although you can expect to pay a rate that's one or two percent higher than average, watch out for excessively inflated rates. Comparison shop to see what kind of deals you get offered.

    HIGHER FEES

    As with the interest ra

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    e out this risk, many lenders will charge a higher interest rate to borrowers who have declared bankruptcy in the past. Although you can expect to pay a rate that's one or two percent higher than average, watch out for excessively inflated rates. Comparison shop to see what kind of deals you get offered.

    HIGHER FEES

    As with the interest ra

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    ent higher than average, watch out for excessively inflated rates. Comparison shop to see what kind of deals you get offered.

    HIGHER FEES

    As with the interest rate, the higher fees are your lender's way of balancing out the risk of lending to a borrower who has declared bankruptcy. You may have to pay extra charges--like an annual fee on a credit card--and you may have to pay higher "extra" fees. For example, a late payment charge on your loan might be higher than average. Again, be wary of any loan company that seems to be charging you exorbitant, unusually high fees.

    OFFERING COLLATERAL

    You may need to offer some type of collateral to be able to obtain credit or a loan after bankruptcy. If you're trying to get approved for a credit card, choose a "secured" card that uses a cash deposit from you as the collateral on the money you borrow. For other

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