You sound like you really care about your clients.  IF their credit is already impacted, I'd suggest they contact the credit card companies & negotiate.  And even if their credit hasn't yet been impacted, it might still make sense in the long run.  Credit can be rebuilt (in less than ten years...); giving up an equity stake in their home is scary. I'm assuming Hometap would have the ability to foreclose at the end of the ten year period.