I’m sure everyone has been touched in some way by recession and it makes me furious to think that there are companies out ther preying on these folks.  The Consumer Credit Counseling Service, one of the oldest non-profit counseling firms  has a great website.  www.ccsinc.org ALL of their services are FREE and available 24/7.   They can help with mortgage problems including loan modifications and those who have been turned down by their bank.