If you're looking for a simple short answer it would be quite possibly however honestly in the world of consumer credit & loans everything depends on a professional review of your personal financial situation as any general answers may steer you off in the wrong direction or provide you with false hopes. Merely searching online may produce general or specific answers targeted towards another individual which may steer you completely in the wrong direction giving you the false sense of security or possibly false hope. You can take everything you learn into consideration however ONLY licensed professionals may give legal or financial advice because there are many variables that you need to factor into the entire equation. Federal laws provide minimal mandatory guidelines then each state regulatory division handles to a further extent according to their own set of rules. under state statutes as long as they meet and are withing Federal requirements.
A good starting point is to get an income & debt analysis from the EMD organization so that you have a better overall understanding of your options and which step to take first. EMD has an excellent reputation with understanding individual needs not general assumptions as others categorize you. If you are looking for help visit their website at http://www.BestDMP.info
For a limited time they are also offering new clients their no obligation risk free premium consultation at absolutely no charge (Normally $400.00).
To get started just fill in the form towards the bottom of the website and they will get back to you the same day if not following business day at the latest. Make sure to sign up for their newsletter too as they provide up to the minute information on new laws and changes so you stay one step ahead of the game. Newsletter and review requests are musts.
You can receive 1 copy from all 3 CRAs Credit Reporting Agencies (Equifax-BEACON®, Experian-Fair Isaac Risk Model "FICO" & TransUnion-EMPIRICA) per year however please note these reports do not provide credit scores
Unfortunately until laws are changed the government allows the CRAs to sell your information to others that request it. This is an automatic opt-in which you must opt-out of instead of the other way around. These companies charge your for reports, scores but also make an incredible profit doing this. Since it is not illegal they continue to get away with it at your expense (and they make identity theft a big deal, know you don't need to wonder why!)
EMD is working hard to make changes so join the revolution today and get your life back in order. Their efforts will be lost without you. This is a joint effort, you need them just as much as they need you, they will be the voice but they need you to make them be heard, please spread the word to all your friends & family and lets get this country out of this depression.