Below is a great link from the Making Home Affordable program with information on eligibility, FREE counselors, and resources, and more. This is a good place to begin ...
If you find that a loan modification does not pertain to your situation, you will want to find a knowledgeable short sale team in Bloomfield Hills to discuss your next options.
All the Best.
I would recommend working with a real estate professional who understands the ins and outs. There are many questions that would need answered before I could provide much input.
If you would like to speak with us, please let me know. We would be happy to help.
Century21 Town & Country