So I've been in the loss mitigation industry since 2005. Homeowner's think that Attorney's are going to get them a better deal. Sorry homeowner's, they are not doing anything differently than a regular ol" negotiator. It is not rocket science. However it is time consuming work. Unfortunately, you can thank are lovely government and the banks and also the media for botching up the fact that their are honest loss mitigation companies ie., loan mod companies who have been in this industry a long time. The riff raff already went away. However, now the media has done damage to even the good mod companies out there. Who do the homeowner's turn to now? The Attorney's and as you can attest to ... their are unexperienced Attorney's in this industry as you have already experienced.
If after 7 months the lender only gave you a repayment plan A. either the Attorney's did not even do anything or B. you had a modification previously and you are not telling the whole story. The lender typically will not give a homeowner a second modification if their is no good faith payment in between or a 12 month payment history.
Each hardship review is unique and based on the individuals financial hardship... like a fingerprint. The investor looks at the financials and their are many variables at play here. It's unfortunate that most homeowner's do not understand this.
This is a learning lesson and yes everyone can learn from foreclosure and this economy. Do NOT live beyond your means and quit being greedy!