Many unscrupulous companies prey on people in distress.
Be wary of anyone who contacts you about refinancing or loan consolidation, particularly if the solicitation does not come from an established financial institution in your community. Be skeptical of any solicitation from a finance company, even if the company has helped you out before. Well-known finance companies have engaged in serious frauds. It is very expensive to market anything door to door, and odds are someone coming to the house to help bail you out of trouble is really coming to get you in deeper. When in doubt, check out the lender.