Since the financial crisis of 2008, there are many homeowners who experience a hardship where the homeowner needs assistance with past due mortgage payments in order to avoid foreclosure. The crisis of 2008 provided an opportunity for many homeowners whereby they can get such assistance with their past due mortgage payments. This opportunity still exists

Contrary to popular belief, bankruptcy’s impact on credit score is more of a positive impact than a negative one.  It is not uncommon for a person to see an 80-150 point increase in credit score in as little as a year after filing bankruptcy. How is credit score determined? A credit score is a three