Hi Jan,
Take a look at the below website. Mortgage Assistance Centers (MAC) is a nationwide firm helping homeowners with financial and personal hardships by negotiating with lenders to ease the strain caused by today’s economic crisis. The legal team under M.C. Rick Norton of the Law Office of Norton & Grimes has over 28 years of experience in Real Estate Law, are the ones negotiating with the lender.
Our office-National Planning Group, Inc are affiliates for MAC, if you have more concerns or would like more info, feel free to contact me. tonyacahomes@gmail.com

Jan I would contact http://www.makinghomesaffordable.gov and talk to one of the free consultants before you want to pay someone. There are lots of companies that would take your money but you should first get advise from the consultants that will give it for free. The Govt is trying to help and the consultants know how to get things started. The issue with the free consultants is follow thru! The hud.gov will identify consultants by city and state.

Good Luck

Keith Manson
First Weber Group
Certified Distressed Property Expert
Greenfield,Wisconsin