Yes, I found a law firm - who painstakingly took my monthly expenses - there were 20 items and simple questions on what are our monthly income without asking my "whole kaboob" including my SSS number and driver license, went to work and called me on how much they can reduce the interest rate and how much they can reduce my current monthly mortgage (principal balance).

They have physical presence permanent address and list of names in their rooster with respective addresses.

Anybody reading this thread and is interested for their toll number just email me privately - you can consult them for free.

They give referral fee I guess to other attorneys, check them out, I will be paying only $3,500 cheaper than refinancing cost.

Leonidas