Foreclosure Mitigation Assistance/ Counseling 800-569-4287
Homeownership Preservation Foundation 888-995-4673
FDIC Foreclosure Prevention 877-275-3342
It is illegal for anyone to collect money up front for any modification services. If this attorney has charged you a fee, please call Federal Trade Commission 877-382-4357.
If you have questions or would like the websites for these organizations, please let me know. All services are free and very informative.
I hope that it helps!
The Mello Group
Kim had a good answer below. I would like to add that a short sale will hurt you for less time than a foreclosure will. If you do decide to short sale your home you need to hire a Realtor that has short sale experience and is a CDPE (Certified Distressed Property Expert.) It sounds like the clock is ticking so please don't delay at least speaking to a CDPE.
Wishing you the best,