Make sure you verify, if you decide to try and work with a company that states they can help you, that they are not just interested in a quick buck but do have a proven track record.
C.A.R. has this great link which leads you to more help in the verification process:
Although it is time consuming, I have been told by successful loan-moders that YOU can do exactly what these companies are offering to do.
Just my 'Mother Hen' attitude kicking in......