But my first step is to pay down some credit cards to get my credit back up.

We don't have much of a savings yet because we just finished paying off some credit card bills.

Do you have to max out credit cards?

One thing that we had a lot of success doing when the market wasn't so great was post cards with a landing page on our website specifically for information on the foreclosure process, how we can help and a free valuation form for them to fill out.

Should I set up the entity right away so I can put LLC or INC. on the cards?

I recently graduated from high school, at my graduation party I was humbled with many gifts, one of which was a $200 amazon gift card.

In general, higher interest debt like credit cards, payday loans etc. should be paid off as soon as possible because they can sink you very fast.

I don’t take business cards either.

Because I was laid off, I have fallen behind on bills, credit cards, etc. so much so that i cannot afford to keep living in my home.

I don't back off on cards I add to the budget.