If your home is in foreclosure, you have bad credit. Getting behind on mortgage payments is the quickest way to bad credit.
No matter how far behind on your payments you might be right now, you can still avoid bankruptcy and stop your home from going into foreclosure and it's easier than you think.
Natalia Osorio Editor of the "Stop Foreclosure Loans" website -- http://www.StopForeclosureLoans.org -- pointed out;