“I receive at least 3 calls a day from someone asking me if filing for bankruptcy relief is the best option for them because they are about to lose their home to foreclosure or they are getting behind in their payments,” states Matt Kennedy, co-owner of ICS. Filing bankruptcy is an option, and it could stall the foreclosure process, but it may not be the best option for the homeowner. The Foreclosure Intervention Program ICS offers takes a close look at the homeowner(s) financial needs and seeks every available option, from filing for bankruptcy relief to refinancing their current loan and everything in between, in order to provide consumers better control over their finances and to gain a more reverent financial discipline.