YouCanRefi.com offers a free evaluation to determine if you are eligible, or if you are brave, you can try talking to your current lender.

FORBES: Refinance Your Mortgage (Even If You Have No Equity)

For more on how to generate a list of agencies to evaluate, as well as lots more detail on what goes into the evaluation, download the free report, Guide to Selecting a Debt Collector for Small to Mid-Size Firms.

FORBES: Need to Hire a Debt Collector? Here's Some Practical Help