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If you were one of the millions of people that signed bad mortgage agreements in the last few years, you are not alone.  At this point, you may be having problems paying your mortgage, and to make things worse, higher interest rates are coming.  There is hope though, and there are people that are willing to give debt help to you and your family.  All you have to do is call a financial counselor to get the help that you need.  These counselors can help you refinance so that you can get into a situation that is manageable for you and your loved ones.