0_Apprentice
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!
1_Wizard
Oh, no, that's terrible. Do you have any loans that are in danger of going into foreclosure if you stop making payments?
0_Apprentice
Yeah, my mortgage and car loan, I am really up the creek!
1_Wizard
Well in the US we have something called loan modification to help people who are having trouble making payments. Maybe that would help you. 
0_Apprentice
Do you know of any organisations that I can speak to help me?
1_Wizard
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. 
0_Apprentice
Ah fair enough, so if I was in Iowa for argument sake I could speak to...
1_Wizard
A loan modification company in Iowa. But I don't have any names of specific local loan modification companies in Iowa. 
0_Apprentice
Ok, the joys of Google it is than :) in the UK we have debt charities that can help if people hit hardship such as StepChange and the Citizens Advice Bureau who can help 
1_Wizard
Oh, I see! I'm not aware of anything like that here in the US, but there probably is something. Here lenders can really go after debtors for mortgages, overdue taxes, unpaid contractors' bills, and the like.  
0_Apprentice
Ah vicious so and so's! Anyhow have a lovely day and thank you