The answer to that question is a typical lawyer response......it depends!  These "loans" that you can take out from these vendors are considered "Non-recourse" loans.  What that means is if you do not recover any money from your Personal Injury case, then these vendors are not allowed to collect from you at all.  However, if you do recover money from your Personal Injury case, then these vendors do collect what they gave you PLUS interest.  Typically, the interest in these non-recourse loans are very steep and you could owe more then twice what you borrowed in a very short period of time!  The morale of this story is think twice before you decide you need to borrow from your Personal Injury case.