Trial Plan Breach of Contract Letter Leads to Loan Modification

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Trial Plan Breach of Contract Letter Leads to Loan Modification. How is this done? I live in Chicago, Illinois.Does this have to be done by an attorney? Are there any Class Action Lawsuits pending anywhere on this? I do remember reading something about one against BOA, but i heard they are already using the excuse that HAMP was not a contract. My loan servicer is PHH mortgage and I hate them. Fannie Mae backs this loan. Are there any class action lawsuits pending for either of these rotten pieces of #$%^^%?
Sorry, we only represent property owners in California and Arizona. With the right facts and approach, these cases can be won.