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Foreclosure, defaulting on a loan, negative credit reports... (by Dave K.):

If you don't live in the US the likelihood of any negative credit impact is remote at best since the "foreclosure" would be in the US and the credit agencies in other countries aren't linked. To have a negative impact on credit it needs to be registered in your country of residence and Westgate certainly won't want to incur the expense of going that route. Bottom line: If you're not in the states just stop paying and stop worrying! That's what I did with absolutely NO consequences