It is not a good situation to have debt burdens as well as undergo a foreclosure. You need to think of a different alternative to rebuild your credit and improve you credit rating. To improve your credit rating, you maybe need to find additional source of income like a second job or third.
If not, you might need to look for an alternative on how to improve your credit reports. You’ll find it’s not that simple to achieve with little effort, but, eventually with that tough work you’ll be able to be ready to build up your credibility as well as your credit status.