I tried to file for a modification of my mortgage because my husband became disabled after being the "bread winner" of the family for the greater part of our 30 years of marriage.....so I filed all of the paperwork for the 'Making homes Affordable" modification.
EMC aka: Chase mortgage gave the impression that they would be glad to work with us. This was not the case.
After submitting the paperwork I was told they lost it or the 90 days had passed before they had a chance to go over it and I had to redo the paperwork. I did this to no exaggeration at least six times. It was either late because they were slow to examine the docs or they lost an important piece of the documentation in which they had to have me fill out again.
After I went through this for three years, and this is not an exaggeration, they kept increasing my payment each time they sent papers i was suppose to accept and be grateful. My first trial period was suppose to be for three months and lasted 8 months. We received at least 6 modification offers and with each one the price of our payment went up??? they claimed we didn't qualify for the making homes affordable. we qualified for 'Hamp' though and supposedly if you can get one you can get the other. with each offer of modification the payment went up. The last one was $1575 per month and we started at $1250 and we couldn't afford that, that's why we applied for the re-modification in the first place. we are currently in the process of losing our home of 28 years unless we are blessed with a miracle. EMC/ Chase or whatever they are called today have most likely succeeded in taking our home.
This will ruin us and we won't be able to get a mortgage loan for at least three years after they take our home from us. This shows how these people work to make you believe they are trying to help you while stealing you blind.