[azdmsmith]

Hang in there, I know how frustrating it is when even Chase can't figure out who is who and what the process is. I read in another thread that you were considering not making a payment to go into default and speed up the mod process. I too have been slowly depleting my savings, but by not making a payment I ended up having too much money in the bank and was denied a mod. If you don't make a payment I encourage you to apply the money you "save" to another bill rather than keeping in in your bank account. Good luck.