Many people in Miami Florida are trying to find a company or law firm that does loan modifications. Many companies charge up front fees while they attempt to modify your loan. The main problem is that you are still responsible for the loan even if the lender took advantage of you.
You could attempt to fight your foreclosure and many attorneys like this type of work. Often a good attorney can stall foreclosure for a year or longer. In the mean time you still have the problem hanging over your head.
Credit counseling organizations serve a great purpose. They will often negotiate with your credit card companies to get you a lower rate.
All of the above are great options and possible alternatives to filing for bankruptcy. For many hard working, honest people bankruptcy becomes the only possible option.
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