subject: One Million Foreclosed Homes Forecast for 2010 [print this page] It can be tough when the economy simply won't snap out of the pitfalls of a recession, even with government aid such as the mortgage modification program. Instead of allowing oneself to become overwhelmed with monthly bills, it may be worth looking into a consolidation loan. When traditional banks are no longer an option, a private lender can still help. They cater to clients with bad credit in almost any financial situation.