No money for lawyer, but can I re-finance my truck?

[Falcon]

I got a used truck in March which cost $15,500.....I put some money down but I still owe $12,500 on the truck. My interest rate is 16.4% (high, I know) but my credit is obviously bad due to 9 months of delinquent bills.

Question, could I still possibly re-finance my truck (since I do have equity) to pay the lawyer fees? I need to file within the next 3 to 4 weeks as I believe garnishments may be around the corner.

I have absolutely NO money to pay a lawyer, and this is the reason I was wondering about this scenario. Your thoughts?

[justbroke]

I would not refinance the truck to pay attorney fees. Are you planning on keeping the truck? Otherwise, just stop paying the truck, and voila... attorney fees!

[StartingOver08]

Do you have household goods that you can sell? You can sell household goods for fair market value (which is not that much BTW) and pay your attorney fees. It is perfectly acceptable.

If you have stopped paying everything and still do not have the funds to pay an attorney, you may need to wait until your income situation improves to file BK.