Arizona just got a $1.7M grant to help in the fight against mortgage fraud. The target of the AG's office will be mortgage "rescue" programs. The AG has already had numerous indictments and lawsuits against these type of programs.
If you are interested in a loan modification or a short sale speak to an expert. If they ask for money upfront this could not be on the level so take your time and do your homework on the company you are about to do business with.