[vinnyb]

Over a year ago Chase put us into a modification program that we were approved for within 3 months. They then said because we were missing a subordination paper on our 2nd ( our 2nd lender never heard of it and Chase wouldnt work with the second directly to secure it), they said we had to reapply. 7 times they lost our paperwork and then the Obama modification came along and they said we had to apply for it instead of the one we were previously approved for. That has been since April. We went on a 3 month trial with a payment that was $500 more a month than we had previously been approved for. Meanwhile i am getting Mortgage changes from the variable rate arm that is completely seperate from what i am going through now. One hand doesnt know what the other hand is doing. It has been 6 months and have stopped making payments. We have gone from not wanting to loose our house to take it and let us get on with our life.