My neighbor owed me money for a year and stil haven't paying me back.

After filing the Debtor’s Bankruptcy Application and the Affidavit in Support of Debtor’s Bankruptcy Application and the procedures done, there is a 21-day allotment required to instruct the bankcrupt by the Official Assignee of his responsibilities and state his liabilities and assets. His monthly contribution plan will be discussed as well with the Official Assignee.

Loans are usually offered by banks. You can get a loan if your pay check is validated by the bank that you are capable of doing a loan. You can also get loans from other agencies, but they have different qualifications. Some agencies do not require pay check but have a legal contract before you get your loan.

First of all, loan sharks are illegal loaners that the government does not recognize. It is illegal to lend money without a license. If the loan sharks loan lent you the money in a illegal matter, the loan shark has no legal right to collect it and they can't take you to court to get it back. Some loan sharks will threaten you by saying you will be prosecuted and even sent to prison if you don't pay up. This can not happen, an unauthorised lender such as a loan shark has no legal right to recover the debt.

Helping someone is an ethical thing to do when they are at the point that they need help. But there are situations that those people who seek help are pretending only to get an advantage with you. You must always choose people who you would help. When you are helping, do not expect something in return. If you are being helped and want to return the favor in ways that you can provide it is good. If the person accepts your way of gratitude and wants something inhuman, you can demand them for harassment.

Guarantor loans are one way to help a person to pay his debts by lending him a money. It involves a guarantor agreement that must be armed with facts. A guarantor is usually a relative or someone you know well so he will be able to ensure that you will repay the borrowed money. Given your situation, you can ask help from you parent or sibling as long as you have separate accounts.

Since you already filed for bankruptcy, you have nothing to worry about. One of the benefits of filing for bankruptcy is that creditors cannot sue you because they are banned from commencing legal proceedings against you to recover debts incurred before bankruptcym after the making of the Bankruptcy Order.