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If the income or meeting your monthly premiums are your main problem, you should enter into discussions with its current lenders. Too many times individuals choose a bad credit mortgage when they are faced with economic problems. Borrowing money is just not installment loans always the only answer. Probably your current lender is prepared to reduce their interest rates, or even reduce your payment terms, even though only for a limited time. This could give you space to make their particular finances back into line.