Over this past weekend, on the CNN Money Segment, they mentioned a Non-Profit Organization which is working together with the Federal Government to help keep people in their homes and possibly modify the mortgage on the primary home.  This service is provided at no charge by this organization.  Since they are offering free loan modification services, CNN suggested that you contact this organization frst before paying another service or law firm for loan modification services.  also, the public should beware of the many loan modification scams out there.  

The phone number to contact is 888-995-HOPE and the website is www.995hope.org