(2) SYCF will explain how you can partner with a local real estate broker or investor who specializes in helping people avoid foreclosure and improve their credit. Instead of having to file bankruptcy or be foreclosed on, SYCF will help you receive money to start over and let your real estate partner help you to build a strong credit record. Most programs require you to move, but with enough money for first and last, that should not be a problem; many times you'll have money left over.