I am working with IndyMac for a client and it appears to be going as expected and as works with other big lenders - takes time and patience.  If you qualify for Making Home Affordable I would suspect you will make it through the process smoothly and if not, expect a very long process.  You don't need an attorney to negotiate on your behalf- the lender will work with you directly and an attorney can't make the lender do anything they wont do directly with you.  Having said that, we have found the average consumer at a disadvantage in working with a lender due to a lack of knowledge of what and how to submit your case, as well as, know what you qualify for.  Hope this helps.  Dave  www.nationalhomeloanadvocates.com