If a company or individual promises that for a fee, they can negotiate with your mortgage company to secure a mortgage modification to stop a foreclosure or delinquency… RUN.
A good place to start if you do find yourself in need of assistance is to contact your mortgage company directly. Many have programs to help those who are facing difficulty in making their mortgage payments.
Consumers are frequent targets of these types of companies and they all don’t look the same. They identify themselves in different ways that may seem legitimate. If they claim to be affiliated with a government program it can be easily checked. Do not take their word for it.