I’m in an upside down loan with two mortgages.?

Our mortgage balance is a lot more than the house is currently worth. We both work, can afford the payment and don’t have bad credit, so many of Obama’s Recovery and Reinvestment Act stipulations don’t apply to us.. Any suggestions to lower the payments? I’ve heard of these loan restructuring companies that promise you the world, but don’t know who I can trust. I’m a bit hesitant to give all my personal and financial information out when I don’t know who is on the other end of the phone. Help!

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