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The only person who can provide you with any legal advice that is specific to your case is an attorney.
• An attorney will obtain a forensic audit of your loan and use any lender's violation of the law in defense of you in court and in demanding a loan modification;
• An attorney will examine the circumstances of the loan, the loan documents, and tactics used by the lender to determine if you have legal defenses or claims against the lender;
• An attorney can assert any claims that you have against the lender;
• President Obama's Making Homes Affordable guidelines do not apply to all borrowers, and the guidelines are, at best, "fuzzy". A lender will spin these guidelines in their favor, and attorney will spin them in your favor;
• The President's plan is not the only method of forcing the lender to rewrite your loan. An attorney will formulate alternative means of relief for you;
• You not only want relief, you want the best relief under the circumstances and lenders rarely present alternatives;
• An attorney will, if appropriate, challenge the legality of any claims made by the lender
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