So the other day I have been made redundant from my job as a farm hand as the farm was closed down. I need advice on moving forward and getting a job; HELP!
Oh, no, that's terrible. Do you have any loans that are in danger of going into foreclosure if you stop making payments?
Yeah, my mortgage and car loan, I am really up the creek!
Well in the US we have something called loan modification to help people who are having trouble making payments. Maybe that would help you. 
Do you know of any organisations that I can speak to help me?
I don't. It would really depend where you live. I know sometimes to expedite the loan modification process, you can rely on a local loan modification company. It depends where you live. 
Ah fair enough, so if I was in Iowa for argument sake I could speak to...
, homeowners may rely upon the services of a local loan modification company. By working with company that handles loan modifications, homeowners "receive the advice, resources and services they need to obtain the best terms possible for their modification while avoiding scams, which are prevalent in the loan modification industry."
Loan Modification Terms.
Homeowners that successfully obtain loan modifications while working with a loan modification company may:
- reduce interest rates
- reduce principal
- reduce penalties and late fees
- increase the length of
n't "rule out" future collaborations with the trio; according to Nash in a follow-up interview, "Well, he's right, you never know. There have been times when I've been so pissed at us all for wasting time and not getting on with the job that I wouldn't talk to any of them. But if Crosby came and played me four songs that knocked me on my ass, what the fuck am I supposed to do as a musician, no matter how pissed we are at