[chichi123]

I am new to the forum!! I have a ARM that due in May 09.. with chase finance...I know it seems like a while till its due...but with everything thats going on with the forclosures i wanted to be ahead of things so i called chase and was told to call back 4 months before its due...I dont even know what will be due when it goes up......I was one of the millions who was told...oh you can refi no problem....now with the market & no more equity in house....I just want to make sure I have enough time to try to fix this mess...They told me a modification will take about 3 to 4 months right now dont know if thats true...possibility....i just dont want to get to close to due date...Any info and answers will be appreciated...Help!!