When individuals find themselves in financial difficulty it can be overwhelming. The phone calls from debt collectors are relentless. The court notices and garnishments can make an individual feel like there is no way out. With many individuals upside down on their mortgages and behind on their payments the traditional concept of consolidating debt through a mortgage refinance is often out of the question. Families begin to feel like their life will never be the same. They are wrong. With the help of an experienced attorney, there is a way back to financial security.