You desperately need help with mortgage. You have your back against the wall because of your current financial situation. The recession has reared its ugly head in your home. Even though you have a stable job, your salary isn't enough to cope with your credit card bills and mortgage rates. To make things worse, you can't use the cash advance feature of your credit card anymore because you've reached credit limit. Even though you'll receive money soon because of payday, it won't be enough to cover your mortgage fees. You've considered a lot of options. First, you tried asking money from your friends, co-employees, and immediate family members. All of them sympathized with you, and some even let you borrow money, but in the end it all added up to a measly amount. Second, you tried begging for a limit upgrade from the bank that issued you your credit card. Unfortunately, you were informed that this won't be possible unless you settle your pending credit card bills first. Even the banks have become careful when it comes to extending financial assistance. Lastly, you tried consulting a government-run debt relief agency to find out how debt consolidation works. Fortunately, they provided you with the help with mortgage that you desperately needed.

Debt consolidation agencies are popular nowadays because a lot of people need help with their outstanding credit. There are a lot of people like you who have run out of cash, and can't fend off the imminent threat of repossession. Don't make the mistake of using credit to pay off your current debts. Even if you somehow got your hands on another credit card, this will only spell more trouble and debt for you in the future. A debt consolidation agency is able to pay off all your debts temporarily, and help with mortgage as well.. Why temporarily? Eventually you'll have to pay the sum total of all the debts that they settled for you. There are certain requirements for you to be able to get a contract with a debt consolidation agency. They don't help just about anybody in debt trouble. They only provide help with mortgage to people who will most likely be able to pay them back after a certain length of time. First, you must have a good credit record. Even though your current financial situation is in shambles, you should have a record that you paid off your previous debts, especially before the economic recession took its toll. Second, you should maintain your stable job. Don't think about quitting your current job anytime soon, because this will be your ticket to an instant approval. People who don't have a constant source of income have no chance of being approved for a consolidated loan. Lastly, you have to attend debt relief sessions sponsored by the government. This will help you develop a proper spending mindset that won't get you into future credit trouble. Staying away from debt and spending using cash, and not credit, is the message debt relief programs seek to impart. It's the best help with mortgage that you'll ever get.