If your credit is the issue, try the Bank of America NACA program to help you get back on track.
In the meantime, pay your penalty and rent the least expensive property in a safe apartment complex.
If you lack the downpayment but have good credit, we have State of Florida Bond money that can get you up to $7,500 towards your downpayment and closing costs.
Contact me and I'll send you the details... you'll need a 640 or higher credit score to qualify..
All the best,
Alma Rose Kee, PA
Future Home Realty
http://www.buy-sell-rent-florida.com Julie Rosenthal, Broker, ABR, GRI, EcoBroker, TRC, CAM
Property Brokers International email@example.com (561)827-6789