I have talked to three different people this week who need help with their loans for different reasons. The first people I talked to owe more than their house is worth. They have a first and a second, both at pretty high interest rates. We are going to try and get them set up with a program to lower these interest rates. She had lost her job so was unemployed for a while and then he got hurt and is on disability at the moment. Both situations they had no control over. I am also finding people who relied on overtime to help pay the bills and are not getting it anymore. The second person I spoke to is facing a rate adjustment in December. That payment will go up over $500. We are going to try and get an interest rate reduction. The third client also owes more than the house is worth. Again, not making as much money as he did when he got the loan. If you need help or know someone who does, go to my website, www.helpmesandy.com. Give me a call and I can help you with the process. Have a good weekend.