House Repossession Assistance

Water Over Gold asked:
Seems like this whole house of cards is coming down soon enough.
http://finance.yahoo.com/news/RealtyTrac-April-foreclosures-apf-15225719.html
The number of U.S. households faced with losing their homes to foreclosure jumped 32 percent in April compared with the same month last year, with Nevada, Florida and California showing the highest rates, according to data released Wednesday. Ohio was [...]

Charles K asked:
If I get myself a loan I can’t afford, say – a mortgage – how is it some “fat cat Wall Street” guy’s fault my house was foreclosed on? If I get a car I can’t afford, how is the repossession anyone’s fault but my own for biting off more than [...]

sam asked:
On my negative credit..I have two repossessions ($5200and $1500)
I have 2 unpaid credit cards ($1100 and $450)
I have 3 random debts- doctor bill ($300), Cell phone bill ($200) and a comcast bill ($100).
What is the best thing to do to improve my credit? What should I pay off first? I would [...]

jeansy asked:
we had a house repossessed 12 years ago and have never been in a position to pay the 10 thousand pound shortfall( which in itself shouldn’t have happened because they sold the house for a lot less than it was worth and didn’t put it on the open market but that’s another story) [...]