They're supposed to be helping homeowners, but seem to be hitting roadblocks.

Government programs, introduced by federal lawmakers, to offer loan modifications during the housing crisis.

How it works?  The government pays money to the banks, and the banks then lower homeowners' mortgage pay...

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This is another lawyer's site but has some great info and statistics on what has happened and how to go about doing things.
Research is key, doing your own is best and this lawyer may not be the one for you.
I will have a page on where to go for help with a list of lawyers as well...

By now, you may have made your own attempts at loan modification. You now know what we have known: Despite all the government and media hype, the voluntary loan modifications are not the silver bullet to the fore...
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The mortgage crisis has sent millions of homeowners in search of ways to modify their mortgage obligations. Unfortunately, it has also provided a breeding ground for companies bilking distressed homeowners for thousands of dollars in fees for services often available for free. Worse yet, many scam artists simply disappear after collecting their upfront fees from homeowners desperate to prevent foreclosure.

http://commonlaw.findlaw.com/2009/01/mortgage-loan-modification-scams-on-the-rise.html

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FTC, State Enforcers Sue Scammers, Warn Others; Announce Education Campaign Designed to Reach Borrowers Directly

The Federal Trade Commission today announced a crackdown on fraud and deception by mortgage modification and home foreclosure rescue companies. The FTC is seeking to halt the proliferation of these mortgage relief scams – which target distressed and vulnerable consumers who are delinquent or facing foreclosure – through increased law enforcement, consumer outre...

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