As a Realtor and more importantly a human being, I tell people when they have lost everything -- their house, their job, and they are so upset and don't know what to do -- "So what? Start over. You're fine and you will be fine."
I explain to them how the system is messed up. I explain, "If you would have been able to keep the house you would owe $300,000 more on it than the new neighbor just purchased his for.
"Let's face it, the credit-scoring system is messed up. You're more than a number -- you're a good person."