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I own a home free and clear no mortgage. I have not so great credit due to filing bankruptcy not long ago. I have $6,107.86 in new credit card debt but the interest rates are high and I will never pay them off can I get a loan to pay these off with using my home as secured payment my payments now are $197.00 a month need to reduce this. Should I look into something or leave it alone?
Consult with your bankruptcy attorney so that you can discuss the newly acquired debt as this can affect your bankruptcy filing. Your lawyer should also be able to tell you how likely the court will be to grant your motion to reopen your case based on his/her previous experience with the courts in your federal district and with the individual judge and trustee involved.