I would check out a couple things befoe I contact a attorney. First contact the bank and see what you can do your self. If you are unable to workout anything check out neighbor works that can be contacted at 888-995-home this is a free service. Another place to look is http://www.makinghomeaffordable.gov
to see what the stimulous plan can do for you. If none of these work check with an attorney but that is going to cost $150+ $350 an hour. You need to make sure that your attorney is famiular with this process. There are also more stable work out companies that have been in business more than a year and if you decide to use one ot these make sure you understand the past performance and their cost for what they do. Start the process right away because the less time where payments have not been made the easier it is to work with lender. I try to help people like you in wisconsin and their might be someone like me in New Jersey.
Wish you luck!