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How you can Get A Home Equity Loan Without Losing Your Shirt?. Obviously, the title here suggests that you can lose your shirt - or get ripped off with some home equity loans. Here is a common sense approach on how to get and use a home equity loan wisely. Who Should Get A Home Equity Loan? In most cases, not nearly as many people should get one as are currently applying for it. Part thirty six Offers - Payment Into Court... Part 36 Offers - Payment Into Court. If you are involved in civil litigation with a party and is locked into dispute over the value of a claim, for example a personal injury claim, you can make what is known as a Part 36 offer to that other party in the dispute.