you might send him some forms but hes only going to be getting those annoying telemarketers who get paid 9 dollars and hour to bounce around his calls. Every time he calls in he would be getting another telemarketer on the phone asking him stupid questions and stalling him. Lawyers bypass these telemarketers and know how to go straight to the legal department and fight your case. You ever hear the sang you got to spend money to see the results. Doing it yourself is possible but will take a lot longer and save you the hassle of not having to deal with those annoying telemarketers. CALL Me NORA, you know and I know that times are tough but I am not asking for any upfront fees. YOU simply pay 70% to a trust account and 30% to your lender for a 3month period. Our lawyer guarantees results in black and white or you get a 100% money back. It is in BLACK AND WHITE ON THE CONTRACT. That is how long the process lasts.
I would suggest starting with a call to your lender. You may not be able to qualify for a re-fi....but you could do a DO IT YOURSELF loan modification. If money is tight already - and it sounds like it is - don;t spend a penny paying someone else. It will take you a few hours but you can do it. Shoot me an e-mail and I will send you the forms you will need for your lender.
Hang in there - and good luck!