NEW YORK (CNNMoney.com) -- The bullhorn message from the government to mortgage lenders has been: Bend. Do what you can to help struggling homeowners. The message to troubled homeowners has been: Call your lender. You may be able to work something out. Despite the persistent blare, there is not a whole lotta "loan modifying" going on yet. A survey by Moody's found that most loan servicers this year had modified only about 1 percent of their adjustable-rate mortgages (ARMs) that had reset to higher rates by the end of July. At the Consumer Credit Counseling Service (CCCS) of San Francisco,...