I posted about us being one month behind even with a mod. I called chase and they offered us a repayment plan because it is too soon to apply for another mod. Since we could not pay this month either, this is what they offered. On june 2, they want a down payment of 1500. From july to oct. or nov our payments will be 1116.44 instead of the 914. Unfortunatly there's no way we can come up with 1500. We are having a hard time paying the 914, so there's no way we can do the 1116. Basically what are our options? I really don't want to foreclose because I've heard that if you do, they will take your income tax refund to pay for all the taxes. They said to get a forebearance, you had to be unemployed.