Many people are having problems with their mortgages and because of this several companies have opened their doors to be "foreclosure rescue" companies. Buyer beware because some of them are scams. They charge fees and don't deliver. If you are thinking of using these companies, be very careful.
I would call your mortgage company first. Then I would call the lender who helped you get your loan. You should call them first to see if they can help you with your mortgage or if they can help you refinance your loan to make it more affordable.
Several of the "foreclosure rescue" companies here in Ohio were asked to shut down by the Ohio Attorney General's office. There are lots of reputable businesses out there that can help, but be VERY careful who you choose and do your research before you pick a company.