It can't hurt to have a consultation with a lawyer who specializes in this type of situation. The worst is that the lawyers says he/she can't help you. On the other hand, maybe a lawyer can help.
I am a former federal and State prosecutor and now handle criminal defense and personal injury/civil rights cases. Feel free to check out my web site and contact me at (212) 385-8015 or via email at Eric@RothsteinLawNY.com. The above answer is for informational purposes only and not meant as legal advice.
A lender does not have to give you a loan modification, you might try either a forbearance agreement, a Chapter 13 Bankruptcy or a short sale. In short, don't bother talking with an attorney just about the modification, but rather all other legal options you have for your situation. Good luck!
It can't hurt but if your lender does not want to modify your loan, they are not obligated to do so. They can rightfully hold you to what you promised them. If you cannot make payments, I would consider selling the property or discussing a short sale with the Lender.
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