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. 