In the Credit world, personal and business credit are games, even though they are played differently. A good consultant knows how you win or lose these games. As far as Life or Health Insurance goes, the ONLY way to shop is through an un-biased broker who, after the proper plan, budget, or strategy is agreed upon, purchase and own the plan knowing how good your deal really is comapred to other options out there. Window shopping at its best! And with Loan Modifications, would you trust your mortgage company or bank, or would you trust a consultant who doesn't want you to be subjected to whatever these lenders feel like giving you. Know ALL your options. Someone who knows the rules of the game, is worth their weight in gold to you.