Wow...you poor thing...not only did your question get "hijacked" as someone else pointed out here but yes sounds like you've got to be careful because of the many scams. I also wanted to share an article with you I read a few days ago about loan modifications success rate. Keep in mind loan resets, especially the 5 year ARMS will still be resetting for several years to come, hence most of us in the valley will have to bear the cost of being "underwater" for a little bit longer. Have you considered other alternatives? Do you need to move or are you happy in your current home and happy to stay put for a number of more years? If you have no desire, need or intention to move then a loan mod may be the best thing for you to pursue indeed but just be careful. Have you tried contacting the banks yourself?
Here's the article http://money.cnn.com/2009/12/10/news/economy/permanent_loan_modifications/index.htm
Keller Williams Integrity 1st Realty