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A bad debt mortgage is not a way to escape your debt, but it does provide a way to get a mortgage even if you have had difficulty with debt in the past. If you have become ill or lost your job, then you may have trouble making payments and end up in a bad debt situation, but it's not the end of the world. Getting a bad debt mortgage may mean that you have to pay a bit extra for a while, but it can be used to repair your credit rating if you are able to repay it properly.

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