Bair hugger lawsuit loans let plaintiffs borrow money against their pending Bair Hugger case while they wait for a settlement or verdict. In 2026, these loans range from $500 to $250,000 depending on your case strength and the funding company.
If you had surgery, used the 3M Bair Hugger warming blanket, and developed a serious infection, you already know this fight takes time. Bills pile up. Work gets missed. The lawsuit drags on.
This guide covers everything about Bair Hugger lawsuit funding in 2026. You will learn who qualifies, how much you can borrow, what interest rates look like, and which companies handle these cases.
One thing worth knowing right away: these are non-recourse loans. If you lose your case, you owe nothing back. That single fact changes everything about the risk equation.
Bair Hugger Lawsuit Loans Explained
Bair Hugger lawsuit loans are cash advances given to plaintiffs who are suing 3M over infections caused by the Bair Hugger forced air warming device. The money comes from legal funding companies, not banks, and it is secured by your expected settlement.
Think of it like borrowing against your future settlement check. The funding company reviews your case, estimates what it might be worth, and offers you a percentage upfront.
These loans are not traditional loans. You do not make monthly payments. You do not need a credit check. The funding company gets repaid only when your case resolves.
If your case settles for $200,000 and you borrowed $15,000, the funding company takes their repayment from that settlement. Your attorney handles the transaction at closing.
| Feature | Bair Hugger Lawsuit Loan | Traditional Bank Loan |
|---|---|---|
| Credit check required | No | Yes |
| Monthly payments | None | Required |
| Repayment if you lose | You owe nothing | Still owe full amount |
| Approval based on | Case merit | Income and credit score |
| Typical approval time | 24 to 72 hours | Weeks |
The entire model is built on one principle: the funding company bets on your case winning. They take the risk, not you.
Bair Hugger Forced Air Warmer Lawsuit Update 2026
The Bair Hugger litigation in 2026 remains active under MDL No. 2666 in the U.S. District Court for the District of Minnesota. Thousands of cases are consolidated there, with plaintiffs alleging that 3M’s forced air warming system spread bacteria into open surgical wounds.
3M has consistently denied that the Bair Hugger causes infections. The company argues the device has been used safely in millions of surgeries since the 1980s.
Earlier bellwether trials produced mixed results. Some went in favor of plaintiffs. Others sided with 3M. These trial outcomes shape how settlement talks progress behind the scenes.
In 2025, motion practice and discovery continued. By early 2026, additional case management orders have been issued. The litigation is not over, but it has been grinding forward.
- Defendant: 3M Company and subsidiary Arizant Healthcare
- Presiding Judge: U.S. District Court, District of Minnesota
- Allegations: Forced air warming spreads bacteria, causing deep joint infections
- Number of cases: Thousands consolidated in MDL 2666
The pace of this litigation matters for funding. The longer cases take, the more plaintiffs need financial help to hold on.
Bair Hugger Lawsuit Settlement Amounts in 2026
Bair Hugger lawsuit settlement amounts in 2026 vary widely based on injury severity, medical evidence, and individual case facts. No global settlement has been reached as of early 2026, so each case is valued individually.
For cases involving a single revision surgery, estimated settlement values typically range from $50,000 to $250,000. Cases involving multiple revision surgeries, permanent disability, or long hospital stays could be worth $300,000 to $1 million or more.
These numbers are estimates based on similar medical device litigation outcomes and case evaluation reports from funding companies.
| Injury Level | Estimated Settlement Range |
|---|---|
| Single revision surgery | $50,000 to $250,000 |
| Multiple revision surgeries | $250,000 to $600,000 |
| Permanent joint loss or disability | $500,000 to $1,000,000+ |
| Wrongful death | $750,000 to $2,000,000+ |
Settlement value directly affects how much funding you can get. Stronger cases with clear medical records linking the Bair Hugger to infection receive higher offers from funding companies.
Keep in mind that no settlement is guaranteed. These are projections, and actual payouts depend on negotiations between attorneys and 3M’s legal team.
Key Takeaway: Bair Hugger lawsuit loans let you borrow against your pending case with zero repayment if you lose, and settlement amounts in 2026 range from $50,000 to over $1 million depending on injury severity.
How Much Can You Get for a Bair Hugger Lawsuit Loan
Most Bair Hugger lawsuit loans range from $500 to $250,000, but the typical plaintiff receives between $5,000 and $50,000 in pre-settlement funding. The amount depends on three main factors: your estimated case value, how far along your case is, and which funding company you use.
Funding companies generally advance 10% to 20% of your estimated settlement value. If your attorney believes your case could settle for $200,000, you might qualify for $20,000 to $40,000 in funding.
Some companies offer smaller initial advances with the option to request more later as your case progresses. Others provide one lump sum.
| Estimated Case Value | Likely Funding Range (10% to 20%) |
|---|---|
| $50,000 | $5,000 to $10,000 |
| $100,000 | $10,000 to $20,000 |
| $250,000 | $25,000 to $50,000 |
| $500,000 | $50,000 to $100,000 |
| $1,000,000+ | $100,000 to $250,000 |
Your attorney’s cooperation plays a big role here. Funding companies need your lawyer to confirm case details and provide documentation. Without attorney participation, most applications stall.
The more medical evidence you have connecting the Bair Hugger device to your infection, the higher your advance will be. Documented revision surgeries and positive culture results strengthen your position significantly.
Bair Hugger Pre-Settlement Funding Options
Bair Hugger pre-settlement funding is available from specialized legal funding companies that focus on mass tort and medical device cases. These companies understand the Bair Hugger litigation and know how to evaluate case strength quickly.
There are two main types of pre-settlement funding available to Bair Hugger plaintiffs:
- Single advance: One lump sum payment upfront. You receive the money and wait for your case to resolve.
- Incremental funding: Multiple smaller advances spread over time. You request additional money as you need it.
Incremental funding tends to cost less in total fees because you only borrow what you actually need. A single large advance accumulates interest on the full amount from day one.
Some funding companies offer both options. Others specialize in one approach. The right choice depends on your financial situation and how long you expect your case to take.
Quick Facts:
- Approval timeline: 24 to 72 hours after attorney verification
- No upfront fees from reputable companies
- No monthly payments during the life of the loan
- Funds sent via wire transfer or check
If someone asks for an upfront fee before approving your Bair Hugger funding, that is a red flag. Legitimate pre-settlement funding companies collect their fees from your settlement, not your pocket.
Bair Hugger Lawsuit Loan Qualification Requirements
To qualify for a Bair Hugger lawsuit loan, you need an active lawsuit filed against 3M with an attorney representing you. That is the baseline requirement every funding company shares.
Beyond that, funding companies evaluate your case based on specific criteria:
- Filed lawsuit: You must have a pending Bair Hugger case in the MDL or state court
- Attorney representation: A licensed attorney must be actively handling your claim
- Medical documentation: Records showing a surgical site infection or deep joint infection after Bair Hugger use
- Causal link: Evidence connecting the Bair Hugger device to your infection
- Revision surgery: Having undergone at least one revision surgery strengthens your application
You do not need good credit. You do not need employment income. You do not need collateral. The only collateral is your lawsuit itself.
| Qualification Factor | Required? |
|---|---|
| Active lawsuit against 3M | Yes |
| Attorney representation | Yes |
| Medical records showing infection | Yes |
| Good credit score | No |
| Employment or income | No |
| Previous lawsuit loans | Depends on company |
Some plaintiffs have already received funding from one company and want more. This is possible, but the second funder takes a subordinate position. Your case needs enough estimated value to support multiple advances.
Key Takeaway: You qualify for Bair Hugger pre-settlement funding if you have a filed case, an attorney, and medical records linking the Bair Hugger device to your infection, regardless of your credit or employment status.
Bair Hugger Lawsuit Cash Advance: How It Works
A Bair Hugger lawsuit cash advance works by giving you money now in exchange for a portion of your future settlement. The process starts with a phone call or online application and can wrap up in as little as 24 hours.
Here is how the process plays out step by step:
- You contact a lawsuit funding company and provide basic case information
- The company contacts your attorney to verify your case details
- Your attorney sends case documents, medical records, and a case status update
- The funding company’s underwriting team evaluates your case merit
- If approved, you receive a funding offer with terms and fees outlined
- You sign the agreement and receive your cash advance
The bottleneck is almost always step 3. If your attorney responds quickly, you can have money in your account within 48 hours. If your attorney is slow or uncooperative, it can take a week or longer.
Your attorney does not pay anything. They simply provide information. The funding company handles all costs and takes the risk.
Once you sign, the money typically arrives by wire transfer the same day or next business day. Some companies still issue checks, which adds mailing time.
Non-Recourse Lawsuit Loans for Bair Hugger Cases
Non-recourse lawsuit loans mean you pay nothing back if you lose your Bair Hugger case. This is the defining feature that separates lawsuit funding from every other type of borrowing.
With a regular loan, you owe the money no matter what happens. If your case gets dismissed, if the jury sides with 3M, if your attorney drops the case, you still owe.
With non-recourse funding, the risk belongs to the funding company. They reviewed your case, decided it was worth backing, and they accept the possibility of losing their entire investment.
This is why interest rates on lawsuit loans are higher than bank loans. The funding company cannot repossess your house or garnish your wages. Their only recourse is your settlement.
What “non-recourse” means in plain terms:
- You win: funding company gets repaid from your settlement
- You lose: you owe zero dollars
- Case dismissed: you owe zero dollars
- Case settles for less than expected: repayment may be reduced
It works like a bet. The funding company is betting your case will pay out enough to cover their advance plus fees. If that bet fails, they eat the loss.
For Bair Hugger plaintiffs facing years of waiting, this structure removes the biggest fear: what if I borrow money and then lose?
Bair Hugger Infection Lawsuit Funding
Bair Hugger infection lawsuit funding is specifically designed for plaintiffs who developed deep joint infections after surgical exposure to the Bair Hugger forced air warming device. The type and severity of your infection directly impacts funding amounts.
The most common infections in Bair Hugger cases involve bacteria like Staphylococcus aureus and Staphylococcus epidermidis. These organisms are found on skin and in the air, and plaintiffs allege the Bair Hugger’s forced air circulation pushed contaminated operating room air into open surgical wounds.
Infections that qualify for the strongest funding include:
- Periprosthetic joint infection (PJI): Infection around a prosthetic implant
- Deep surgical site infection: Infection below the skin surface near the implant
- Osteomyelitis: Bone infection resulting from surgical contamination
- Septic arthritis: Joint infection causing inflammation and damage
A confirmed positive culture showing bacterial infection carries more weight than a clinical diagnosis alone. Funding companies look at your medical records closely for culture results, antibiotic treatment history, and whether you needed revision surgery.
| Infection Type | Funding Impact |
|---|---|
| Confirmed PJI with positive culture | Highest funding amounts |
| Deep surgical site infection | High funding amounts |
| Clinical diagnosis without culture | Moderate funding amounts |
| Superficial wound infection | Lower funding or denial |
The more serious your infection and the more surgeries you needed, the more a funding company will advance you.
Key Takeaway: Non-recourse Bair Hugger lawsuit loans carry zero repayment risk if your case loses, and confirmed deep joint infections with positive cultures unlock the highest funding amounts.
Bair Hugger Knee Replacement Lawsuit Loans
Bair Hugger knee replacement lawsuit loans are available to plaintiffs who developed infections after total knee arthroplasty where the Bair Hugger device was used during surgery. Knee replacement infections represent a significant portion of the Bair Hugger MDL cases.
Knee replacements are among the most common orthopedic procedures in the United States. Millions are performed each year. When a Bair Hugger warming blanket is used during these surgeries and the patient later develops an infection, that case can enter the litigation.
Typical knee replacement infection cases involve:
- Initial total knee replacement surgery
- Use of the Bair Hugger device during the procedure
- Development of infection within weeks or months
- One or more revision surgeries to remove and replace the infected prosthetic
- Extended antibiotic treatment, often with IV antibiotics for 6 weeks or longer
Funding companies view knee replacement cases with documented revision surgery as strong candidates. A plaintiff who needed two or three revision surgeries has a higher case value, which translates to a larger available advance.
| Knee Replacement Case Factor | Effect on Funding |
|---|---|
| Single revision surgery | Moderate case value, moderate advance |
| Multiple revision surgeries | Higher case value, larger advance |
| Permanent spacer or no final implant | Highest case value, maximum advance |
| Lost ability to walk normally | Significant case value increase |
If you had knee replacement surgery and later faced a painful, drawn-out infection process, your case likely qualifies for pre-settlement funding. The medical records from your revision surgeries are the key documents funding companies need to see.
Bair Hugger Hip Replacement Lawsuit Funding
Bair Hugger hip replacement lawsuit funding follows the same principles as knee replacement funding, but hip cases sometimes carry higher settlement values due to the complexity of hip revision surgery. Hip revision procedures tend to be more invasive, with longer recovery times and greater risks.
A hip replacement infection after Bair Hugger use typically involves removing the entire prosthetic, placing an antibiotic spacer, treating with weeks of IV antibiotics, and then performing a second surgery to install a new implant. Some patients go through this cycle multiple times.
The impact on daily life is severe. Walking becomes difficult or impossible during spacer periods. Many patients are confined to wheelchairs for months between surgeries.
- Average hip revision recovery: 3 to 6 months per surgery
- Total time with spacer: 6 to 12 weeks minimum
- Multiple revision rate in Bair Hugger cases: Higher than average
- Impact on mobility: Significant, often permanent limitations
Funding companies recognize that hip replacement cases with documented Bair Hugger use and subsequent infection often settle for higher amounts. That higher expected settlement means more money is available upfront through pre-settlement funding.
Quick Facts for Hip Cases:
- Hip revision cases generally qualify for $10,000 to $75,000 in initial funding
- Cases with two or more revisions may qualify for $50,000 to $150,000
- Permanent disability strengthens both case value and funding eligibility
Your orthopedic surgeon’s records, operative reports, and infection culture results are the documents that matter most.
Bair Hugger Lawsuit Loan Interest Rates
Bair Hugger lawsuit loan interest rates typically range from 2% to 4% per month, which is higher than traditional lending but reflects the non-recourse risk the funding company absorbs. Some companies use simple interest while others use compounding interest, and that distinction makes a massive difference over time.
Here is why rates are high: the funding company gets nothing if you lose. No bank would lend $20,000 with zero collateral and zero recourse. The elevated interest rate is the price of that risk transfer.
| Interest Structure | Monthly Rate | Cost on $10,000 After 12 Months | Cost After 24 Months |
|---|---|---|---|
| Simple interest at 3% | 3% | $13,600 | $17,200 |
| Compounding interest at 3% | 3% | $14,258 | $20,328 |
| Simple interest at 2% | 2% | $12,400 | $14,800 |
| Compounding interest at 2% | 2% | $12,682 | $16,084 |
As you can see, compounding interest grows much faster. Over a two-year period on a $10,000 advance, the difference between simple and compounding interest at 3% is about $3,000. That is real money.
Always ask whether the rate is simple or compounding. Get it in writing. Read the contract before signing.
Some states have laws that cap lawsuit funding rates. Check whether your state regulates legal funding fees, because those caps can save you thousands.
Key Takeaway: Bair Hugger lawsuit loan interest rates range from 2% to 4% per month; always confirm whether your rate is simple or compounding, because compounding interest can double your total repayment amount over time.
Bair Hugger Lawsuit Loan Repayment Terms
Bair Hugger lawsuit loan repayment happens only when your case resolves through settlement, verdict, or judgment. You make zero payments until that day comes. Your attorney handles the repayment directly from your settlement proceeds.
Here is the typical repayment flow:
- Your case settles or a verdict is reached
- 3M or its insurers send the settlement funds to your attorney
- Your attorney deducts their contingency fee and case costs
- The funding company’s repayment amount is deducted
- You receive the remaining balance
The repayment amount includes your original advance plus accumulated interest and any fees outlined in your contract. Some contracts include origination fees, processing fees, or administrative fees on top of interest.
| Repayment Component | Typical Amount |
|---|---|
| Original advance | Full amount borrowed |
| Interest (simple or compounding) | 2% to 4% per month |
| Origination fee | 0% to 5% of advance |
| Processing or admin fee | $0 to $500 |
| Cap on total repayment | Varies by company and state |
Some funding companies place a cap on total repayment. For example, they might cap repayment at 2x or 3x the original advance. If you borrowed $10,000, the most you would owe is $20,000 to $30,000 regardless of how long the case takes.
Others have no cap, meaning interest keeps accumulating indefinitely. A case that takes 5 years could result in repayment amounts that consume most of your settlement. Always look for a cap.
Bair Hugger Lawsuit Loan Application Process
The Bair Hugger lawsuit loan application process takes 15 to 30 minutes to start and results in a decision within 24 to 72 hours in most cases. The process is straightforward, but speed depends on your attorney’s responsiveness.
Step-by-step application process:
- Step 1: Contact a funding company by phone, website form, or email
- Step 2: Provide your name, attorney’s name, and basic case information
- Step 3: The funding company contacts your attorney for case verification
- Step 4: Your attorney provides medical records, case status, and settlement estimates
- Step 5: The underwriting team reviews your case and calculates an offer
- Step 6: You receive a written offer with terms, rates, and fees
- Step 7: You review, sign, and return the agreement
- Step 8: Money is sent by wire transfer, typically within 24 hours of signing
You do not need to provide pay stubs, tax returns, or bank statements. There is no credit check. The entire approval is based on the strength of your legal claim.
What speeds up approval:
- Having your medical records organized
- Making sure your attorney knows you are applying
- Choosing a funding company familiar with Bair Hugger cases
- Applying during business hours for faster attorney contact
What slows it down:
- Attorney not responding to the funding company
- Incomplete medical records
- Case in very early stages with minimal documentation
Best Lawsuit Loan Companies for Bair Hugger Cases
The best lawsuit loan companies for Bair Hugger cases are those with specific experience in mass tort and medical device litigation. Not every legal funding company handles these cases, and working with one that knows the Bair Hugger MDL can mean faster approvals and better terms.
When comparing funding companies, focus on these criteria:
| Comparison Factor | What to Look For |
|---|---|
| Experience with mass torts | Company should have funded medical device cases before |
| Interest rate type | Simple interest is better than compounding |
| Monthly rate | Below 3% per month is competitive |
| Repayment cap | Look for caps at 2x to 3x the advance |
| Hidden fees | Avoid companies with origination or processing fees |
| Funding speed | 24 to 48 hours is standard for good companies |
| Attorney relationship | Company should communicate directly with your lawyer |
Red flags to watch for:
- Upfront fees before approval: Legitimate companies never charge before funding
- Pressure to accept immediately: Good companies give you time to review
- Refusing to explain terms in writing: Everything should be on paper
- Unusually high advances: If the offer seems too good, the fees might be brutal
- No repayment cap: Your total cost could spiral out of control
Talk to your attorney before choosing a funding company. Many plaintiff attorneys have relationships with funding companies they trust and have worked with on other cases. Your lawyer’s recommendation carries weight because they have seen which companies treat clients fairly.
Key Takeaway: Choose a Bair Hugger lawsuit funding company with mass tort experience, simple interest rates under 3% per month, a clear repayment cap, and zero upfront fees.
Bair Hugger MDL 2666 Status in 2026
MDL No. 2666, styled as “In Re: Bair Hugger Forced Air Warming Devices Products Liability Litigation,” is still active in the U.S. District Court for the District of Minnesota as of 2026. The case consolidates thousands of individual lawsuits from plaintiffs across the country.
The MDL was established in 2015 to streamline pretrial proceedings. Since then, the litigation has gone through discovery, expert challenges, bellwether trial selections, and various procedural motions.
Key developments in the litigation timeline:
- 2015: MDL 2666 created in District of Minnesota
- 2017 to 2019: Initial bellwether trials with mixed results
- 2020 to 2022: Continued case management and discovery
- 2023 to 2024: Additional motion practice, expert witness proceedings
- 2025: Ongoing case management orders and pretrial activity
- 2026: Litigation remains active; no global settlement announced
3M has fought this litigation aggressively. The company has challenged expert testimony, filed motions to exclude plaintiff evidence, and argued that the Bair Hugger device is safe.
For plaintiffs waiting on funding decisions, the MDL status matters. An active, progressing MDL signals to funding companies that cases have real value. A stalled or dismissed MDL would make funding much harder to obtain.
The court has not set a deadline for settlement talks, but both sides continue to engage in discussions. Most mass tort attorneys expect resolution will come through negotiated settlement rather than individual trials for every plaintiff.
How Long Does a Bair Hugger Lawsuit Take
A Bair Hugger lawsuit takes an average of 3 to 7 years from filing to resolution, depending on whether the case settles or goes to trial. Some plaintiffs have been waiting since 2015, and many filed cases are still pending in 2026.
Mass tort litigation moves slowly by nature. With thousands of cases consolidated, the court manages them in phases. Individual cases do not move independently through the MDL system.
| Litigation Phase | Typical Duration |
|---|---|
| Case investigation and filing | 1 to 6 months |
| MDL consolidation and discovery | 1 to 3 years |
| Bellwether trial selection and preparation | 1 to 2 years |
| Bellwether trials | 6 months to 1 year |
| Settlement negotiations | 1 to 3 years |
| Settlement payout distribution | 6 to 18 months after agreement |
That timeline is why pre-settlement funding exists. Waiting five or more years for a payout while dealing with medical bills, lost income, and ongoing pain creates real financial pressure.
Some cases resolve faster than others. A case with strong medical evidence, clear Bair Hugger use documentation, and a cooperative attorney may settle earlier. Cases with disputed facts or weak documentation take longer.
If your case was filed recently, expect at least 2 to 4 more years before resolution. If it was filed years ago, you may be closer to the finish line, but there are no guarantees on timing.
The long wait is precisely what makes lawsuit loans so appealing. You cannot speed up the legal process, but you can access money while it unfolds.
Risks of Bair Hugger Lawsuit Loans
Bair Hugger lawsuit loans carry real risks that every plaintiff should understand before borrowing. The biggest risk is not losing the case. It is the cost of the loan eating into your settlement.
Risk 1: High total repayment amounts. A $10,000 advance at 3% monthly compounding interest over 3 years grows to roughly $28,000. Over 5 years, it exceeds $53,000. That is a significant chunk of any settlement.
Risk 2: Multiple advances compounding losses. Some plaintiffs take a second or third advance as their case drags on. Each new advance starts its own interest clock. The combined repayment can surprise people when the settlement finally arrives.
Risk 3: Reduced net settlement. After attorney fees (typically 33% to 40%), case costs, and lawsuit loan repayment, your take-home amount may be much less than the gross settlement. A $200,000 settlement can shrink to $50,000 or less after all deductions.
Risk 4: Predatory lending practices. Some funding companies charge excessive rates, hide fees in fine print, or use aggressive compounding schedules. Not all companies in this space operate ethically.
Risk 5: Impact on settlement decisions. Plaintiffs carrying heavy funding obligations may feel pressured to accept lower settlement offers just to resolve the debt. This works against your own best interests.
| Risk Factor | How to Protect Yourself |
|---|---|
| High interest costs | Choose simple interest over compounding |
| Multiple advances | Borrow only what you need |
| Reduced net settlement | Calculate total repayment before signing |
| Predatory companies | Verify company reputation, ask your attorney |
| Pressure to settle early | Discuss funding impact with your lawyer |
Borrow only what you absolutely need. Every dollar you take now costs two or three dollars later. That math is unavoidable.
Key Takeaway: The biggest risk of Bair Hugger lawsuit loans is not losing your case; it is the compounding interest that can consume a large portion of your settlement if you borrow more than necessary.
Frequently Asked Questions
Can I get a Bair Hugger lawsuit loan if my case is still pending?
Yes, your case must be pending to qualify for a lawsuit loan.
Funding companies only advance money on active, unresolved cases.
If your case has already settled or been dismissed, you are not eligible.
What happens if I lose my Bair Hugger lawsuit after getting a loan?
You owe nothing if your case loses because these are non-recourse loans.
The funding company absorbs the loss entirely.
You keep the money you already received with no obligation to repay.
How fast can I receive Bair Hugger pre-settlement funding?
Most plaintiffs receive funds within 24 to 72 hours after approval.
The biggest delay is waiting for your attorney to verify case details.
Once you sign the agreement, money is typically wired the same business day.
Do I need good credit to qualify for a Bair Hugger lawsuit loan?
No, credit scores are not a factor in lawsuit loan approval.
Funding companies evaluate the strength of your legal case, not your personal finances.
Employment status and income level are also irrelevant to the decision.
How much do Bair Hugger lawsuit loans cost in total fees?
Total cost depends on your interest rate, whether it compounds, and how long your case takes.
A $10,000 advance at 3% simple interest costs roughly $13,600 after one year.
The same advance with compounding interest can exceed $20,000 after two years.
The Bair Hugger litigation is still moving forward in 2026. If you are waiting for your case to settle and need financial relief, pre-settlement funding is one option on the table.
Borrow carefully. Compare multiple funding companies. Ask your attorney for guidance on reputable funders.
The money can help you survive the wait, but only if you understand the costs before you sign.
