You should be proactive and get your situation under control. Your lender will work with you to mitigate their loss.
Homeowners can negotiate their own Loan Modification, there is no need to spend thousands of dollars on a third party.
There is a Great Book & CD Kit available to help distressed borrowers through the Loan Modification process. It is a Complete Step-by-Step Guide to the Loan Modification negotiation. The Kit cost less than $100..