Howdy @Tuan DangFind out from an experienced realtor what they think the market value will look like after the recovery.  

Now late pays are bad enough, but the time frame to recover is much shorter than a fully completed foreclosure. 

I then called another company Bio Recovery who's parent company is Prestige WorldWide Industries (http://www.prestigeworldwide.company) which if you've never seen the movie Step Brothers is the name of their "Fake Company" which makes me now question doing business with these guys.

Over time some of those mortgages were retired so we tried to do one or two flips per year and carrying those mortgages.We're actually pretty fiscally conservative or we could have acquired a lot more property because we lived in Houston during the crash and recovery of the eighties.

I've worked as a licensed athletic trainer, a maintenance technician for a local school/church, a package handler at FedEx Express, and I own and operate a small landscaping company. 

So that's good news because when growth is accelerating at the beginning of the year the chances of a recession in that year are practically zero, historically...so that's the good news, you are going to be in a good environment for the next 12 months and possibly longer because of a worldwide recovery that's happening, this is the real recovery that's happening now after 2008.

So many foreclosures and auction purchases in lower income areas have really slowed down the market recovery in those areas.

I even heard of some investing in lottery winnings and/or sports athlete contracts before.

I have 27,000.00 which is 5 percent being held by own,er which I  lose if I don't close by  A pril 30 ..if not I lose 27 ,000.00 and my home I'm in renting and will have to move my family in 30 days any ideas scarred .so 've been working with a credit recovery but in 6 months so far haven't reached 700 score I need.

Whatever they think you have done would have to be worth the legal costs to try to recover. Is