The typical so called Mortgage Modifier (who likely still has his mortgage broker business cards along with his magnetic signs for his car) simply does not have any legal teeth to help you.
We start with a 20-30 "demand for legal discovery" questionnaire from our attorney. They get 10 days to answer or we start sending subpoenas. The lender knows us and understands that their silly "made up policies" they devised in order to deal with the typical mortgage modifier have mp meaning to us. We get results.
System began for brokers in the business, now we allow anyone to refer to us and earn $250-$750 per sale.