A client of ours was able to keep their house because they came to us early in their financial difficulties. Most clients wait until it is too late and there run into problems that then become much more difficult and costly. Our client, a public service worker and union member, was referred to us by a friend, when they confided that their spouse had lost his job and that they would have to start seriously cutting back on their expenses, including possibly not being able to pay the mortgage. When this person came to us and explained the situation, we explained how difficult it actually can be for a bank to foreclose, and how they really do not want to foreclose, and as the process is complex and if they do it wrong it works for our clients. By hiring us, we would tell them what to do and how to do it, so that they could be more informed and in a better position than the bank employees who are the “professionals.” Due to our process and advice, the client was able to stay in their home and renegotiate a better rate over a longer term, with no additional fees, which allowed them to stay in their home with no additional headache. This they did because they were proactive and did not hide their heads in the sand.