Remember it was the lack of money that got you into this problem.
Residual income comes from the result of a one time work. You can view the removed content in the question history. Well I have a system that makes it easy for anyone. This is superior quality construction that has withstood hurricanes better than any other.
You do the work one time and you get paid on it again and again. My credit now is still less than perfect, but I can get a car loan if I needed to at a medium-high rate. Remember it was the lack of money that got you into this problem. The key to this strategy is the use the Accelerator Factor. You can get further in less time by choosing an occupation and then studying the masters. Also, I don't have any children, which makes it easier.
My heart goes out to those who do and go through something like this. Remember your banker is not going to tell you about this system. Don't get me wrong to the debt collecters out there.