A Personal Secured Loan 1 is a smart way to boost family finances when you want to consolidate debt, make home improvements, pay for car repairs or needed help. Our 3-step personal loan application process provides fast approvals and quick access to funds.Secured loans use share certificates or savings deposits as collateral for loans. This option is an excellent way of building a credit history. Debt collectors are prohibited from engaging in abuse and harassment to get you to pay a debt. You might also be exempt from collection. If the creditor doesn't receive monthly payments under the terms of the secured loan, they can take the property instead. There are no hidden fees or surprises – our goal is to provide transparent and helpful guidance. Reaffirmation Agreement, first let's talk about what one is. In a chapter 13 bankruptcy, any non-dischargeable debt should be accounted for in your bankruptcy plan.