Voltron says: The government has been making a lot of noise about "mortgage scams" advising people not to pay fees and to use only free government approved housing counselors. The government approved housing counselors are not allowed to advise you to default even if it is in your best interest - at least not until ALL of your retirement savings are drained. They exist to protect the banks. The government wants to steer you away from companies like "You Walk Away LLC" that look after your interests. The government is creating a straw man - the fact is most mortgage fraud being investigated by the FBI is perpetrated by well known mortgage servicers. They will intentionally mar your credit rating to prevent you from refinancing while they concoct fees, game the system and force a foreclosure.
If you have a mortgage, you should read this: http://www.msfraud.org/howtheysteal.html