Refinancing can come in many ways, and requires a lot of tasks. Your purpose is to rebuild
solid credit score. A friend from Pennsylvania who lost his business to gambling worked out the impossible -- raising funds -- by taking several jobs and setting up garage sales. He also made a commitment to regularly pay his bills and keep his mortgage record sunny. This way, when he applies for refinancing, lenders will see his good record and consider his application despite a past record of bankruptcy.
