This Painstaking process started about 2 years ago after I filed for Divorce and was forced into Bankruptcy due to my X wife's inability to run a business. After all of this, I dropped to one income and could no longer afford my Mortgage. I didn't want to loose my home so I did some investigating into different programs that were offered through Chase and decided to go with the Modification Program. I was instructed by a Chase Representative to not make my payments for at least 3 months and I would then qualify for the Mod Program. I missed the 3 payments and then submitted my Hardship Letter to Chase. In the beginning, I was contacted almost daily in regards to my late payments but within around 5 months, I received a temporary Modification payment of $900, down from $1, 290. Approximately 2 years passed, during that time, I resubmitted my paperwork 4 times, spoke to countless Customer Service Representatives (who by the way don't know thier ass from a hole in the ground). Each Rep had a different version of reasons as to why my Mod was delayed. I did extensive research on the Modification process and made sure all my I's were dotted and my T's were crossed but was later informed that the rules had changed several times making my Modification paperwork worthless. In the end, all Chase did to help me was tack on the late payments, 2 years worth, around $15K to the end of the loan and raised my payment to $1, 405 per month. If I couldn't afford $1290 per month, how was I going to afford the new payment??? It was Chase's fault my loan was deliquent in the first place and now I'm being penalized for it and was basically threatened to sign the Modification papers or loose my home. I had no other choice, so I signed the paperwork but also included a long letter expressing my frustration. I was contacted yet again by Chase and was told that they could not accept the signed papers because of the letter I sent, they said they considered it signing under duress and couldn't accept it so I had to have them send me new paperwork and was forced to sign it again. After all of this, I thought to myself, hey, if they could approve $1, 405 per month, why couldn't they approve me for a Refinance? Seemed logical until I contacted Chase and was told that they wouldn't even consider my request since I was deliquent on my payments for 2 years. I think what Chase is doing is very wrong and I hope that the American people stand up against companies like this and fight for thier right to own a home that we've worked so hard to acquire. My goal now is to obtain financing from another lending company, I'll keep you posted on how that goes.