Check out this video regarding mortgage fraud. Take the advise and don't ever do anything to give up control of your property. If you are not able to make the payments, contact your mortgage company to work out a plan. Anyone telling you that they can eliminate your deliquency is not telling you the truth. Others may help you but the final control is with your lender.
We work with homeowners to negotiate new payment schedules and or loan terms... however, we have no authority to make that commitment to you, it is a decision that must be made by your mortgage company.