I need an agency that will help me consolidate all of my outstanding debts as well as help me with a home loan modification, or give me a loan to reduce my debts. My lender keeps giving me the run around and due to unforeseen circumstances, like everyone else, my credit is now "shot to h---". I am still employed but I can't seem to get ahead or catch up. Is there someone or somewhere I can turn to that will not cost me every penny I earn?
