I really want to look into loan modification as a first option before I consider filing full bankruptcy. Most of what i read has stated that getting a loan modification is difficult even with the assistance of legal counsel.

I am current on my mortgage but i'm thinking of not paying our first & second mortgages for the next 2 to 3 months as a means of preserving cash. I am currently unemployed but i am working on a replacement job that will start in May.

Will a loan modification by the lender require that i pay money upfront?

Thank you!