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Foreclosure is worse than bankruptcy.  (For additional help, please fill in the form below).

Reason #1: Foreclosure is now hurting people's ability to get another job or alternative housing. Applications many times include the question, "Have you ever had a property foreclosed on?", which often hurts applicants worse than the question, "Have you filed for bankruptcy in the last 7 years?".

Reason #2: Foreclosures are a matter of public record, while bankruptcies are only accessible as part of your credit report.

Reason #3: Lenders consider foreclosures more serious than bankruptcies. 
Homes can often be bought 2 years after bankruptcy.  With a foreclosure on record, lenders may often decline home loans 4 years or more after a foreclosure.

Some Information About Bankruptcy


  • An arrangement must still be worked out with the Mortgage Company to repay the past due amount.
  • If you are 1 day late on any trustee payments your case "may" be dismissed, the stay will be lifted and you will be back in Foreclosure.
  • The Mortgage Company can work around the Bankruptcy and still Foreclose.

This information is provided free of charge by Operation Restoration. Donations are critically needed to help this mission move forward. If this material has helped you or someone you love, please click on the Donate button below.  May God bless you.
                                                                        - Anne Batte, Executive Director
                                            Copyright 2009 Operation Restoration

Request for additional help

Thank you for contacting Operation Restoration. Please fill in the information below if you need clarification on material or guidance on strategy. We will contact you shortly. Notes: (1) While the information provided on the website is free to use (if it helps you in any way, please remember to donate), we are transitioning into a donation-based personalized assistance operation. As you know this arena is very specialized. This mission has spent extensive hours over the past 6 years to remain ahead of the curve. (2) Remember, your participation and team work are necessary as ongoing in-depth research is necessary to achieve leverage. Education empowers people to survive and succeed. We look forward to speaking with you. Sincerely, Anne Batte Executive Director