NOOOOoooo!!!!!! First of all, contact your lender and try to negotiate yourself. If you DO decide to use a company, read all paperwork carefully...there are a lot of scams going on right now. Make sure you are not signing over a deed to your home.
Also...you may qualify under the new Housing Recovery Act that takes place 10/1....where the gov't is encouraging lenders to renegotiate mortgages and help keep homeowners in their home. Call me Monday and I will explain....925-824-4877...or look up this new legislation online.