11/5/2010 3:45 PM (PST)

Have you tried calling a HUD-approved nonprofit housing counselor? You can speak with a certified counselor by calling 888-995-4673. They can evaluate your housing options, open lines of communication with mortgage lenders, negotiate a loan modification, and help you with household budgeting, all at no cost.

For some general information on the loan modification industry and the problems we've encountered:

The California Attorney General's press release on "forensic loan audits" is posted here on TrustLink under New Scams.

Also, check out the "loan modification" tagged questions here on this forum.

also see: http://www.preventloanscams.org