Most likely you are wasting your time and more importantly your money!
First of all, you should not be paying money for modification assistance!
Secondly, even if you are a candidate for a modification, you have to prove you are able to afford the modified loan.
Very few loan modifications actually materialize.
You might want to consider a short sale.
In our state, CA, we are an anti-deficiency state (more or less).
I am not certain about MI.
Before you enter in an agreement to short sale your property, you need to consult with your attorney and your accountant.
Good luck and don't throw any more money away on a possible loan modification.