You do not need to pay someone large sums of money to help you modify your mortgage. People who charge a lot of money in advance of any result may be violating the law. Depending on your financial situation, U.S. Department of Housing and Urban Development (HUD)-approved housing counselors offer their services at little or no cost to you. Foreclosure prevention counseling and counseling services for homeless persons are available free of charge through HUD's Housing Counseling Program. Call the CFPB Consumer Hotline at 1-855-411-CFPB (2372) to be connected to a HUD-approved housing counselor today.