text: Rather than taking out a $25,000 loan, try setting up a repayment plan.  By incurring further debt, you are laying the foundation for another bankruptcy.  Contact each of your debtors, tell them your situation and then tell them how much you can pay them each month.  Most companies are willing to work with you when it comes to repayment.  If there are interest rates involved, ask that the interest rates be reduced while you try to pay the money back.  In the long run, this is a far better solution than incurring more debt.