Probably not. There are many scammers who try to exploit people who are facing financial difficulties by making false promises or offering to do things that they could do on their own. For example, a company that offers to negotiate a loan modification for you probably will go through the same process that you would go through with your lender and would not be able to obtain a better outcome. Adding an intermediary to the process often results in complications and delays. You should view any ads or solicitations very skeptically.