If you have been injured or lost a loved one, you may find yourself in a tough situation financially. You may not have the funds to file a lawsuit or support yourself. Many people fall into the trap of applying for personal injury loans which carry hidden fees and other unpleasant surprises. Moreover, you are subject to a credit check, income history check, and may even require collateral to qualify for a lawsuit loan. The situation can turn especially dire if you lose your settlement, as lawsuit loans and settlement loans still require you to pay back when the loan becomes due.