Getting a loan modification has become much simpler in recent months, thanks mostly to government efforts to make it more accessible. But the reason many people still fail is that they don't work effectively with their loan modification Lawyer. While they're paid to help you get back on track, they can only do so much--it also takes research and work on your part. Below are five things you should bring up with your Lawyer to make sure you get the results you want.

What are my options?

A good loan modification lawyer will start by evaluating your situation and determining whether or not a loan modification will work for you. Sometimes, a homeowner is simply better off with a different solution, such as a short sale or a forbearance agreement. At the very least, it will give you an idea of your alternatives in case the loan modification does not work out.

How much will it cost me?

Hiring a loan modification lawyer can cost anywhere from $1,800 to over $8,000. Sometimes the numbers are justifiable; other times it's just plain overpriced. Make sure you know what you're paying for. Ask your Lawyer for a breakdown of the fees and take the time you need to analyze each part. After all, when you're already behind on your mortgage, the last thing you need is to waste good money on something you don't need.

What are your methods?

Each lawyer has his own way of dealing with a problem. What makes it tricky is that you often don't recognize an inefficient approach before it's too late. Before deciding to work with (and pay) a loan modification Lawyer, make sure he or she has a reasonable action plan on hand and won't simply make decisions along the way. Compare different approaches from different lawyers and see which one best fits your situation.

How long will it take?

Loan modification can take anywhere from 30 to 90 days, but can drag on for several months if a case is complicated or if the bank has too many applications coming in. But when the foreclosure clock is running, you don't want to have to wait--you need a specific time frame. Demand a schedule from your loan modification Lawyer, make sure it's written and signed, and take it upon yourself to make sure it's followed.

What's your backup?

No matter how good a loan modification lawyer is, some clients are simply too deep in debt to get help. One can only be paid to do what he can. But a good loan modification Lawyer will have a backup plan on hand, even if he can't follow them himself. If your loan modification doesn't work out, your lawyer should be able to advise you on what you can do, and perhaps refer you to other professionals who can help.