Is Nationwide Financial Group LLC mortgage refinance assistance a scam?

We are a month behind in our mortgage payment. Nationwide Financial Group LLC, based out of Florida, contacted us to help assist us with lowering our mortgage payments with Bank of America. We have been told that to do so Bank of America will lower our loan amount and lower our intrest rate. In order to assist us with contacting Bank of America and filing paper work and ect. Nationwide Financial is asking that we pay them $ 800 and are also telling me that during the loan modification that our mortgage payments will be defered with out any retaliation from Bank of America. Has anyone had sucess with them or is this a scam?

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