I am sorry to hear about your situation. There are basically 2 options a loan modification or a short sale. You should call your current lenders loss mitigation department, explain your situation and fill out hardship paperwork. I have not heard of any lenders charging fees to do this. Where did you go that they told you 2500 ? Then you will know what kind of payment terms are available with the loan modification and be able to make an informed decision on which option is best for you.
CDPE is one of the best trainings systems out there for helping folks in your situation.