Not all borrowers can qualify for a refinance or a loan modification. Even when they can qualify, refinances don’t always save borrowers a lot of money and loan modifications can take many months to obtain. If you would like a more immediate way to improve your financial situation you could potentially significantly reduce your credit card (or medical bill) payments and balances with the help of a respectable debt relief firm. We often recommend people do some research on that topic.
To consult with a firm that specializes in helping people reduce their credit card debts and/or payments fill in this short contact form. They will be able evaluate your situation and offer some programs that could help.