A home Foreclosure will stay on your credit report for seven years. This can make it difficult for you to purchase big-ticket items such as a car or a house if you cannot afford to pay cash. However, if your foreclosure was unjustly executed, or the institution that provided your mortgage is not fairly reporting your credit, there are steps you can take to have the foreclosure removed early.

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Just face it, if you are a spendthrift and your credit record is poor or you have missed payments and you have also filled in a lot of loan applications — you are no different from a lot of other people.

Sometimes, people make bad decisions and they end up losing their house, car and credit cards that ruin their credit history.

If the lender has not followed your state’s car repossession laws to the letter, they can be prohibited from collecting any judgment in court or wage garnishment for that matter if a lawsuit is brought against you for the deficiency. You have rights as a consumer before, during and after repossession and it is up to you to exercise them.