We had to maintain constant contact with them, they never called us once. We called weekly and they always said they needed something else faxed. This went on for 8 months. Finally 2 weeks before Christmas it was a good follow up, we were told it was finally being presented to an underwriter and our account rep would contact us as soon as a decision was made.

Two weeks later the day before Christmas eve we received a certified letter from Chase stating that we had until 12/31/2010 to pay for 8 months of payments totaling $0.00 and $0.00 in late fees. So not knowing what this meant we called. (This was the 1st letter we had received in over 5 months)

We were told at this time that the modification was denied due to insufficient income. This made no sense. We had our income back and it was more than when we first got the loan. He then suggested we do a repayment plan which doubled our payment over 6 months. Now if we had insufficient funds why would we be able to manage that?

On the 27th we called to make sure we had no more options before we meet with an attorney about Chapter 13 Bankruptcy to save our home and was told it went into foreclosure that day. Still no notice in the mail and it foreclosed prior to the one notice we received of a date of 12/31????

We emailed the CEO Jamie Dimon because we felt we had been treated poorly and knew there was other options. A rep for Jamie Dimon called and suggested we try the modification process again LOL and told us our home had a court house sell date of Feb 1st (still no notice btw)

On top of this the entire time we have tried to get my wife, who is not on the loan authorized to speak on behalf of the loan with no success, even after following the proper channels which makes it even harder to deal with them.

Now we are faced with a sell date next month and taking this into our own hands and filing Chapter 13 bankruptcy to save our home since Chase has no intentions of working with us!