[Redeemed]

Hi ***;

Thanks for your response. I understand you are not attornies and cannot give legal advice, I think perhaps I did not explain fully. When the foreclosure was filed I was NOT behind on payments, this was why the judge stopped the first hearing over a year ago, since I was able to present cancelled checks and copy of bank statements to show this to be fact.

I am therefore, wondering how I would submit a hardship letter, as you have to state what the reason for the hardship was...since there was none and the payments were made, I'm wondering how one would handle this situation, relating solely to the Hardship Letter itself as it is a required item for the modification process.

Naturally I don't want to make up a hardship, just for the sake of presenting a hardship letter, but neither do I think it would be wise to state that Chase caused the problem by inefficient accounting procedures/record keeping, as I am approaching them for the modification.