If you are going broke and on the verge of facing bankruptcy, then I would recommend that you take up debt consolidation loans instead. These loans can help you tide over your current financial situation, and I am sure you will be able to make it through. Take the time to find the right loans cos there are many out there and I think it will take some research and hard work. If you wish to get a loan, but facing bad credit, then look out for private lenders who will be able to help you out. See the link for some loans information today!