Reply #15: Glad to hear things are starting to turn around for you

[Greyhound]

In what State/region is the house located? This will dramatically change your strategy.
Credit problems are highly over-rated, and not that hard to fix, unless we're talking about huge sums, and if that is the case, you should look at a bankruptcy. Under NO CIRCUMSTANCES allow them to attach your credit card debt (I assume this is the major source of your credit problems) to the home! Many areas around the country are still experiencing 20% - 40% appreciation, and selling is probably a mistake, especially if you're in an area that is on the up-swing. If this is your case, selling would be like walking away from 10's of thousands of dollars.
Obviously, there are so many variables to be considered, that it is not possible to get the whole picture in a BBS. Talk to your professionals, but always keep in mind that their interests may not be yours. Don't sign anything without taking the whole plan to a trusted(?) third party for analysis. If the pros won't let you do that, run, don't walk, away from them. Any legitimate financial planner has nothing to hide or fear from someone else looking at the proposed plan. Do not submit to pressure tactics, if they start ganging up on you, or saying stuff like "if you wait, this deal won't be here", or "interest rates are going up and it will cost you lots more if you don't take this today", get away from them and look for another planner.

Good luck, keep us updated. :eyes: