It's distressing. I, too, have been underfoot of this mortgage modification monstrosity. it's perfectly appalling. I live in Brunswick, Maine, and the scarcity is similar. Worse than the lack of services, however, is the judgment and mistrust that the powerful mete out to human beings that find themselves in difficult situations. Like it helps.
I can't offer any strategies, but your story deserves attention, and I want you to know that my heart goes out to you.