I have a 11.750 enterest rate on my mortgage. I was layed off 3 weeks ago, and I'm behind 3 months on my mortgage. I need a modification , so my payment can be more affordable. I'm getting alot of letters with different companies. I heard attorneys also do modification's. Most companies are asking 2,500 up front. I would feel comfortable with a law firm. Is their any in Dallas Texas that are honest? And is their such service that law firms help with?