Hello Blaise Blastos,
Many attorneys are very busy right now helping people with short sales and dealing with banks. But as for my top pick... I like Chris Sevick out of Ypsilanti his number is 734-480-9100, he is an attorney with good experience as a salesperson and the right attitude towards helping people.
I would like to ask what you do before I really answer. But barring the two way conversation I will push through it. What do you guys do for a living? Are you a convincing person and you think you can move them you could go for it. If you can remain less emotional (yet involved) and business minded I think you can do it yourself. However a good attorney could save you a lot of "on hold" time. Is it because you have a variable rate mortgage? I helped someone walk through it this spring and they are so happy to be able to stay in their home. Feel free to call or write and good luck w BOA.
I hope you continue to get good answers here on trulia.
Respectfully,
Todd Lands, REALTOR, Associate Broker with the Reinhart Company
cell # 734-Mi-LANDS (645-2637)
When you think of Real Estate, think of LANDS!

There are local groups such as the one I'm on the board of director of in Las Vegas, (Community Services of Nevada) that are non profit and HUD approved, we charge nothing to do a loan modifications. Look for housing councelors in your area, remember modification means change and not specifically a loan reduction or an interest rate reduction, and as long as they change something from what your original note reads, the person you are paying will have earned their pay.
Also you can call them yourself, although they seem to pay closer attention to HUD certified councelors.

Good Luck.

Dear Blaise,
You can have free legal cousel at http://www.HeartLegalServices.com. They are unbiased and are there to help homeowners preserve their primary home. I know they are reliable and will advise you and help you do a loan modification. You can mention my name.
Yours, info@KathyToth.com

Dear Blaise Blastos,
An attorney will cost you alot of $$'s, when you can do the same thing for yourself and truly express your hardship. Call your lender and ask for the loan modification dept. This could take a few phone calls to get through. I wouldnt leave a message. Try calling at odd tmes of the day, ealry morning or after 7pm.
Then ask them for the following:
A. Loan Modification requirements and paperwork ( once you receive the paperwork then complete this and send it back to them certified mail). Ask them how long the process will take once they receive the paperwork? What qualifies you for this loan modification?
or if you are selling or needing to sell your home
B. Short Sale paperwork and requirements (loss mitigation dept for this)- I am not sure if you are in a short sale/selling situation, if you are have them mail you the documentation. If you are selling your home in the future and via a short sale...please do not fall into the hands of scams that are out there. A qualified "short sale" real estate agent will assist you. Any other service I would be aware of.

Try these company's to for help:
http://www.hopenow.com/
http://www.hud.gov/foreclosure/index.cfm

Good Luck!
Best regards,
C. Wargo