If it sounds too good to be true, it probably is. That's sound advice for almost all aspects of life, including the search for mortgage relief services.
Distressed homeowners don't have to resort to third-party mortgage services. Free counseling is available at the Department of Housing and Urban Development (HUD). HUD programs such as the Home Affordable Refinance Program (HARP) can allow qualified homeowners to refinance their home at more favorable terms.
If you don't qualify for any HUD programs, you can work directly with your lender or consult with third-party mortgage counseling services. However, you must be careful to distinguish legitimate mortgage services from scammers. Scammers are adept at taking advantage of desperate homeowners for their own gain without providing any assistance in return.