“Through the years I have always struggled with my credit. When I purchased my first home I was only able to obtain a short term mortgage. After paying my mortgage on time for two years, my payments suddenly jumped to a level I could no longer afford. My bank was calling me demanding payment and was unwilling to help me with lowering my loan. I was just about to let my house go into foreclosure and walk away. One day at work I decided to go online and I came across Consumer Counseling. I called them and learned that I was a candidate for a loan modification. After only a short time I was able to modify my loan to a lower interest rate with a new monthly payment that I could now afford.”