We vent in postings here, anyone close to us heard our tales years ago, our friends say we start sounding like lawyers, quoting regulations and violations. Many of us have had added family crises, health issues, not to mention damaged credit reports, clouded chain of title, money spent on the battle as months turn into years. Now, I need to give my proposal to Chase for settlement. After this long a period, how does one place a monetary value on ignored QWRs? On multiple loan mod applications with no response, on denials without cause, on attempts at foreclosure?On years of one's life dealing with this? What is the value of a year of your life? I would like to ask for concrete information you have seen with other homeowners or your own experience of placing value on these things which are beyond value. Silly, I know, but this whole game has been irrational, and the stress both emotionally, physically and financial is something others have no idea about unless you have been one of the people fighting for their home.