Hi Nancy,

I second Cindi's advice. As Keith said, there are legitimate companies out there, but you should always try to deal with your bank first. It is in your bank's best interest to keep you as a customer and in your home right now. You will find working with them right now is much different than the stories you might have heard 6+ months ago. After you exhaust every option with your bank first, dealing with attorneys might be a viable option.

Jeremy Lehman
Century 21 Beachside http://www.LehmanHomes.net
Jeremy@LehmanHomes.net

Nancy
There are a number of legitimate options. You should also know that homeowners who have been served a Notice of Default (N. O. D.) have certain protections given to them by the state and federal government to prevent opportunistic companies from taking advantage of families under a lot of stress.
Call 1.888.995.HOPE or see the link below.

I can also refer you to a top Realtor in your area that can help point you in the right direction. You can contact me via my Trulia profile/

NOOOOoooo!!!!!! First of all, contact your lender and try to negotiate yourself. If you DO decide to use a company, read all paperwork carefully...there are a lot of scams going on right now. Make sure you are not signing over a deed to your home.

Also...you may qualify under the new Housing Recovery Act that takes place 10/1....where the gov't is encouraging lenders to renegotiate mortgages and help keep homeowners in their home. Call me Monday and I will explain....925-824-4877...or look up this new legislation online.