I think FurnaceFace is going through this right now and he mentioned the contractor suggested he do the tear-out as contractors have to follow strict guidelines for mold removal (leading to a heck of alot more cost.) Depends on your risk tolerance...if it seems relatively contained to the shower/tub enclosure, tear the whole dang thing out yourself and then have a contractor come in for the reno. If it looks to be moving beyond that space, you'll want to go with pro's all the way (the last thing you want is mold coming back in your new bathroom!)
Almost forgot...I had localized mold due to crappy construction on the foot of a shower enclosure. I did the tear-out and had a pro come in and retile. No problems. I didn't know then what I've learned now though. I just got lucky.
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