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Did some research on foreclosures, it seems even if it is reported to credit bureaus, it stays for 7 years(some say 7 years + 180 day) counted from the date of first missed payment(some say date of the notice of the demand of late payment, which may be a few months after the due date). And some states requires the foreclosure to take no less than 90 or 120 days. For most users that got threatened about the MF(maintenance fee) foreclosure in this thread, it has been 3~4 years since that date, is it true that the most harm WestGate can do to the credit report(even if they filed it at all) is 3~4 years? And for some lucky ones who has stopped payment for 7 years or more they should rest assured there is 0 harm going forward? Thanks