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HELOC close to filing BK?

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    HELOC close to filing BK?

    Would anyone suggest getting a small HELOC (about $3k) to help cover atty fees and back payments on 2 loans cross coll. related to my 2nd mortgage? Do I stand a chance at getting one? If so, where would you guys suggest applying for one and which companies should I watch out for or do I just start searching online? For such a small amount, would it be hard to do?

    I have liens on my home, would that affect being able to get one? Would a HELOC this close to filing BK seem fraudulent, even if I keep receipts showing where every dime went? I stopped paying credit cards around Oct. 2007, so my credit is kinda bad, but I would like to keep my house during a Chapter 7. Thanks again.
    Filed Chapter 7 (Primarily Business Expenses) 04/10/2008 FICO 468 :cry:
    341 on 05/06/08:unsure:House appraisal on day 63:blink: 07/10/2008 Discharged-Asset Case!!!:yahoo:08/09 Transu 559, Equifax 636, Experian 647
    Case Closed 07/15/2009 :D:yahoo:

    #2
    Please discard this question. I just realized that I would have to refinance the 2nd mortgage to get the HELOC and with the liens, I don't think it's possible.
    Filed Chapter 7 (Primarily Business Expenses) 04/10/2008 FICO 468 :cry:
    341 on 05/06/08:unsure:House appraisal on day 63:blink: 07/10/2008 Discharged-Asset Case!!!:yahoo:08/09 Transu 559, Equifax 636, Experian 647
    Case Closed 07/15/2009 :D:yahoo:

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