how do you find a lender if you have poor credit .and are behind on your mortgage?

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my husbands work was slow for the first time in years and are bills were to much for us to keep up on.now that his work is busy. but we cant seem to get caught up .we are behind and need about six thousand dollars to start fresh but are credit is to bad to get a loan .i need help finding out if there is a loan office that helps people with bad credit.

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