Hello Christina,

In my humble, but accurate :-) opinion, I feel that it's worth it to use an atty at this point if you've tried other avenues with no results. Starting with your current lender on your own can sometimes bring you positive results.

We've actually referred about 6 people recently to what we feel is someone very trustworthy (and that's the hard part in this situation) and we are hopeful to get good results for them. I can't say for sure at this point because the process has just been started. This person has been in the lending business for many years and is working directly with a team of attys that are specializing in loan mods.

I say this because I feel it's worth it to spend a little money in hopes of saving a LOT of money in the long run.

You might want to visit http://www.hud.gov to get some good information that might help you in your situation and you may even find out that you won't need to hire an atty at all.

Research, research, research.

Good luck,

Randy