United Financial Counselors, whom I read about in the Sun Sentinel, helped me. They were able to get the bank to agree to lower my principal that was originally in the amount of $ 265,000. I had bought in the height of the market in January 2006 and needed a refinance in 2010. I found that I had no equity to keep my home regardless of whether I could afford it or not. I had been injured in an accident that resulted in business loss. United worked with me in a respectful and helpful way. Most important, they got amazing results. They continue to help me rebuild, budget, and re-establish credit. I only wish I new about them sooner, but heck at least I found them! I would personally recommend them to anyone.