I've been on a 3 month trial modification that lasted 12 months with Chase. I made all my payments. Just got denied. I was wondering what should be my best plan of attack. Does anybody know about the Rest Report and does it help my cause. I filed a complaint with the OCC due to Chase not having the correct income. They keep dragging me along and putting deeper and deeper in the hole! Can NACA help? Also, I do not qualify for HAMP due to my principle being over the $729k. Should I file a lawsuit. Any help, ideas or guidance would be greatly appreciated. Also does anyone know a Great Attorney.