I think that the body of regulations governing Mortgage Assistance Relief Services companies should include a requirement for the MARS company to provide a one on one counseling session between the individual and an independent certified financial professional trained in budgeting, accounting, and/or personal finance. The session would be for the individual to ask questions regarding the execution of the MARS service and repayment as well as general budgeting, accounting, and personal financial advice. This would provide unbiased disclosure and educate the individual on the agreement they are about to enter. This session would give the individual access to financial knowledge and experience they can put to use during their assumed time of financial difficulty. The MARS company would provide a list of certified financial advisors to the individual during the initial consultation along with the MARS company's own literature. The advisor would review the material and offer advice. Payment for the advisor's services could be paid by the MARS service, individual, or perhaps some sort of FTC funding. Perhaps the MARS service could pay the fee initially as a sign of good faith to the customer and work the fee into the final agreement. Just some ideas to consider that could help the person turn their situation around and avoid more problems in the future.