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Much of the housing crisis has focused on foreclosures and short sales. But what about people who don’t want their credit ruined? Many want to avoid that unpleasant situation at most any cost, if at all possible.

Most Realtors advise people to sit tight if they are thinking about selling but have little or no equity in their houses. But if you need to sell for a job or lifestyle change, how are you coping and how much financial loss are you willing to take to protect your credit?

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