I have been told that alot of companies are not really free and I dont know who to go to. I’ve always been told that if you do that you’ll be paying the same amount as you normally would because no interest is applied. I need a loan fast (not a payday loan) and I’ve had really bad luck with trying to get any loan or credit card. I’ve been good for over 2yrs, no lates or collections. My husband has alot of cc debt but no delinquents in over 15yrs and we were considering filing bk because we can’t keep up with the payments. If I file bankruptcy, will…