Disclaimer: Roosevelt Law Center PC is not associated with the Government, and our services are not approved by the Government or by your mortgage company. Even if you use our services, your lender may not agree to change/modify the terms of your mortgage. It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your Lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of Client assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov. You should never discontinue communication with your mortgage company. Roosevelt Law Center PC does not provide services in the states of New Mexico, Delaware, Kansas, Connecticut, Washington, Oregon, West Virginia, or New Hampshire.