Normal mechanics is that, when there is a delay in the payment of mortgages, banks reported this situation to the credit bureaus, effectively affecting the credit of the debtor. Shall therefore the importance of Act in time and achieve a moratorium on the part of creditors, early enough to fall in arrears, because in this case, having been made a new arrangement of debt, the credit report you show paid as agreed. This is very important to take this into account. Advising you to do the right thing for those who do not have the ability to address a negotiating personally with your creditors, they may consult as refinance debts with housing counseling as Consolidated Credit Counseling Services companies who can advise you how to get out of debt free of charge through their counselors certified by the Federal Department of housing and urban development (HUD)(, by its acronym in English). If you prefer you can call 1-800-560-6213 for free or learn more about this Agency’s Credit counseling