If you are behind in the payments on your mortgage, you may be contacted by companies offering to help you with the "loan modification" process.
However, there are companies and people who are not legitimate and who are taking advantage of consumers.
The California Department of Real Estate has issued a "Consumer Alert". If you are asked to pay advance, up-front fees for such loan modification services, read here first: California Department of Real Estate.
The Department of Real Estate lists two non-profit counseling services:
Federal Housing Administration
Homeownership Preservation Foundation.