Home Mortgage

How I can legally erase credit card debt and / or home mortgage?
I want to know if the law provides a way to eliminate debt credit card legally, and if there is a legal way to delete a home mortgage.
You can look into bankruptcy. Will be a great negative mark on your credit report and can remain for up to 10 years. However, you can still get credit after bankruptcy. It will be more difficult, but not impossible.
Home Prices decline 18.1%; Mortgage Applications Down; Special Message
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