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...
A loan modification company in Iowa. But I don't have any names of specific local loan modification companies in Iowa.