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If you have other outstanding debts, you might be able to get a debt consolidation loan and pay them off as well as for your financial emergency. Depending on the total amount of your debts, you may be able to get an unsecured loan. Or if you have a fair amount of equity in your home, you could get a secured loan such as a home equity loan or homeowner equity line of credit, which should have a much lower interest rate than an unsecured loan.
File for bankruptcy
If your financial emergency was an illness or accident that ended up costing you thousands or even hundreds of thousands of dollars in hospital bills, you might think about filing for a Chapter 7 bankruptcy. This would get all of your unsecured debts discharged in probably six months or less. For that matter, medical bills are now the number one reason why people file for bankruptcy. But before you take this step, do understand that there are long-term consequences to a bankruptcy that would haunt you for years to come.