Foreclosure has started, is there anything that can be done with Chase now?

There are some things you can do to stop the foreclosure process. It's probably not going to be something that you want to tackle on your own. As you can see, Chase is not very responsive to the calls and pleas of homeowners.

Please help me stop foreclosure.

Save everything you get from chase and write down every single time you talk with them. I just paid 3750 dollars today to chase to get out of a fraudulent foreclosure. They put 2 payments mistakenly in our escrow instead of crediting them to our account. they then send back Jan payment in the mail never stating any reason. My state representative is working with me to try to get them investigated. Their BBB rating is an F...... email me if you need any info...

I am having major problems with Chase Home Finance, too! I called and spoke w/ customer service and they talk to me like shit. I would explain myself to one representative and then passed to another and would have to explain my whole situation AGAIN. I have been behind BUT I have been sending in lump sums to get caught up. I called the other night to see why money orders i sent were not cashed, they said it was not for the full amount and they are sending them back to us. Every single time i speak to someone they would tell me a different figure amount. They DO NOT know what they are doing at CHASE. I am so stressed out and i cannot get a hold of the right person. WE need to do something about this company ripping us off. They add any charges they want onto your acct and you ask why and some of the CSR say " I'm not sure why thats there" Why would she not know???? One CSR told me that I need to get my paperwork straight. I told her that I had everything in front of me with the dates that CHASE sent me things and the amounts are not adding up correctly. They are just a SCREWED UP COMPANY! PLEASE HELP ME AND OTHERS!

I am having the same problem. I was out of work for three months and told them up front that I needed help. I was told that I needed to contact three other reps and no one would call me back. I tried to send them a payment a month ago that would have put me at only 45 days past due and it was sent back almost three weeks later. I called them and was told that there was a new program that could help me, I waited a week after giving a rep all the information required to start the program. I now have the full amount to get caught up and they told me that they had sent it to a lawyer three days after they offered to help me. Thing is my mom is disabled and now I am worried where we are going to end up since they will not work with me to remedy this situation. They never told me that I had any options to get caught up and when they did they sent me to a lawyer three days later. I have the money to pay and they won't take it. PLEASE HELP!!!!

I was just told by a CSR that I only had to pay $3381 and then i will be caught up...well i sent that payment over the weekend...CERTIFIED MAIL....I guarantee that they will have another CSR tell me that we still owe something . I should be up to date and I should only owe for March. I pray every night that this was a CSR that knew what they were talking about. They better not send that payment back or I am getting a lawyer. I can't stand Chase and they have me so stressed out right now, its not even funny! My children are feeling the tension as well! I hope to GOD that someone will get to the bottom of this and investigate Chase and why are they such a rip off co. I just had to vent a little bit of my frustration!

I got married 18 months ago, had the wife's home up for sale but no luck. Stopped making payments on it in January of 2008 as utilities and property taxes went up so much we cant afford both houses anymore. Chase sent us a letter dated March 4, 2008 with the case worker's name and they advised us if we dont respond in 10 days they will close our case without helping us. The case workers voice mail is always full and I cant get through. His name is Andrew Meade 614-422-6562. When I call their home assistance number to speak with his supervisor I get automatically routed to collections instead. I was on hold 30 minutes before collections answered and said who they were. I was then transferred to home owners assistance on hold for another 20 minutes and then told to just wait for Andrew to call me. You should be happy you even got through to your case worker. I think mine is on vacation or taking a nap instead of doing his job.

This is the same thing I have been going through with Chase as well. I just made a $3800 payment two weeks ago & they call me every day, regardless of the repayment agreement which I have not fallen behind on. I truly mean it when I say I hate Chase.

I bought a house in November 2005 there are 2 loans on the house and they have been sold 4 times (each one). I have been fighting with Chase for over a year. The finance company before them did not forward my payments to Chase as a result they said I was behind. My calculations showed $2099.00. Chase said to keep my home I needed a repayment plan and forced me to sign it or they were foreclosing. I signed it and sent them $2000.00 to start the repayment plan. After I made 3 payments I told them I wanted a break-down of the charges. They were charging 17.00 to drive by and see if I was still living there every month plus late fees plus interest on interest. When I asked for the break-down they couldn't find the repayment plan and wanted me to send them a copy. They have foreclosed and sold it. I am still fighting with them as I still live in the house. There has to be something we can do to stop Chase from doing this to others. The attorney for Chase said foreclosure was happening to me and 6 million others. There has to be a way to stop them from their bad business practices.

I got a notice i am in default is that the same as foreclosure?I sent them this months payment and some on the one im behind and planned to pay the rest this week will that save me i will let ya all know

Default is not the same as foreclosure. Default is where they usually add about $3000.00 to the balance you are behind for attorney fees. Then if you try to catch up they will tell you that you need a repayment plan. Are you only behind 1 payment? I would just keep sending them as much as you can if you are only behind 1 payment. Ask for a printout on your account showing what they are charging you for. They may start charging interest on interest which would make you 2 payments behind plus attorney fees.

I was in default they said and i was suppose to be two months behind.actually i was only one as they said they do not get your payment and they do not post it for 7 and he said sometimes ten days.I sent them all they ask for today to catch up .they say its ok now but i dont trust them anymore and im still scared they will come and take my home.I by the way got all this news on my 26th anniversary .But you see my husband died one and a half years ago.The guy from ohio was so cold and cruel i felt i may as well be in jail i spent the week end in tears .Today i caught everything up i hope nothing else comes up on it and by the way 20 dollars to have them take it out at my bank is that not sad.Then they told me to write a check early to get it there on time since it takes so long.I dont have money till the middle of the month and they say its not getting there on time so every month it dont there gonna add another charge.Why dont they work with folks.I sure liked my other loan company.

I've had similar incidents in which Chase has either added an Insurance Escrow on my account or late charges in excess to the normal charges. My telephone experience has also been similar: lack of concern or ability to assist with my issue. Lack of explanation of actions taken. I requested a loan modification in December of 2007; waited over a month called and was informed the specific "department" did not get my "emailed docs". Resent all docs a couple of times over the next few months. In the US mail I received literally an one sentence denial letter-this was yesterday 6/23/08. The government and mortgage lenders act as if they are proactive in helping home owners stay in their homes. It appears on has to be months in arrear before the mortgage company will work with you.

Chase is arrogant and I too have played the loan modification game with them. I was denied because they said I could afford the payment. I was also told I could resubmit again and wait another 60-90 days for a second review.
I went to a HUD counselor 6/30/08 and am in Michigan.I think I'll just let Chase have the house and take my chances with a foreclosure.Hud counselor said it would only really affect my credit for about 24 months if I kept everything else clean.My property has lost $40,000 in value in one year and I owe 20,000 more than its worth.
Feed up in Michigan.

I also asked Chase for a modification before the rate adjsuted from 7.24 to 10.24 beause my income had dropped 15,000 and even it it hadn't I was goingto have major problems. They said no reapply. I did 3 months ago for one of their so called new programs and I am sending them 795.00 every month and have stoppped taking medicine to afford the payment. Althoguh I am behind two months, they have sid as long as I send them a payment they will not move forward with default. I don't believe them. In todays news a lady killed herself 1 hour before forclosure sale. I won't have to use a gun, not taking heart meds will do it for me.

We put up our manufactured home in 1993. We paid in escro for taxes to be paid by the mortgage co to the state and/or county. First two years are for bare ground then on the residence from that time forward. Due to lack of service by our local assesor the taxes were not assesed untill several yeaars later. At that time St Joseph county sent to Chase a tax bill for around 10,000. Chae took this to mean our tax bill was 10,000 a year on property assesed at 105,000. We have been in constant contact with our case worker at chase and several others that we have been passed to.our payment was raised from 645.00 = or - a few dollars to over 2100.00 dollars. Of coarse we screamed that this wasnt right, that our tax bill is 1580.00 a year. sent the tax papers 4 separate times. Now they say it is too late and received a forecloser notice today. Can anyone tell me how if we did everything in our power to notify chase and send supporting documents, that this can happen.

Chase Mortgage should be investigated by all state attorneys. Their practices are both questionable and fly in the face of customer service.

Having spent no less than 60 minutes each day on the phone with them for the last 10 days, I a still no closer to understanding the status of my loan. Yes I have been late, yes I have paid all late fees, and yes I still get treated like dirt... all blamed on their conversion to a new processing system they implemented on July 1st. They can not even send a letter out simply saying that my payment has been processed.

If anyone knows the corporate structure of Chase Home Finance as it relates to JPMorgan (with names, address and phone numbers), please share. As a customer of Chase I have a responsibility to be dealt with. Not simply blown off each time I call.

I HATE CHASE! They are rying to make me forclose, and will not help me. THEY SUCK!

It's sad to see that Chase has not changed. My husband and I had our first mortgage with Chase. Unfortunately my husband was out of work for over six months. When he was first laid off I contacted Chase to see what could be done. At the time I did not make a lot of money since we had just relocated and I was trying to find a decent job. Anyway, they offered us a forebearance plan. After applying we were denied. We decided to put our house up for sale to avoid having a foreclosure on our credit. Within the first week we had 3 offers. However, Chase was very hard to deal with because somehow they had to have a say in the sale of the property. ??? None of the sales went through because of Chase. They eventually foreclosed on the house. I started packing all of our belongings because we had the date to vacate the premises. It was not until then that Chase (the same woman that I spoke to six months prior) called to work something out. We were pissed but we took the offer. We are still in our home. We have since refinanced (we are having a hard time now with the new people because we were on a plan and were 4 days late). That's another story in itself. Maybe I should start playing lotto so I can win enough to pay off the mortgage.

Since March I been waiting for dam Chase to close on the house that me and my house want to sale to a property invester and it's done by doing a short sale. The house is about 56k and the investor offer 50k and Chase doesn't want to take that amount. Their lost because they won't get that 50k when it go's to forcloser

I agree with all of you that someone should do something about Chase. Last year they add 16k to my escrow because they said that my house did not have insurance i showed them proof and still said that I owed them money and stop accepting payments. I am in foreclosure and even before that I asked for a loand modification and send them all the paperwork and still denied it. I been out of work for about five months and waiting for another answer and see if they modifify the loans. my lawyer filed for chapter 13 but so far no answer from them. Wouldn't our econmy be better if the banks can modify the loans and we will make the payments instead of not making any payments and waiting for what is going to happen. All the stress that our children had to go trough and us thinking what are we going to do.

My husband and I are not behind, we havn't paid late, Chase applied our June payment incorrectly told us in Sept they were foreclosing because we were behind, we have all there statements showing they received our payments and applied them to our account. Now they won't take our money and won't fix it. I am trying to find someone to help me but I can't affored a lawyer.

I had a modification on my loan with Chase Home Finance that took effect in Sept. 2008. I was sending in my payments every month. Then in December I received a call telling me that my home was in foreclosure and that my December payment was being sent back. Chase had added an escrow of 895.01 for taxes. I was never informed that they had added the escrow account. Which came to a total of 10,40.00 a year. My taxes for 2 years only came to about 4500.00. Instead of my payments being reduced by the modification process my payments doubled. In order to put a hold on the foreclosure I had to send in $3,000.00 and sign an agreement to make payments of $1,190.u. But this will still not get me current on my payments. Every time I call the person that is handling my account she never answers her phone. Then I talk to other CSR and they all tell something different. I have talked to 6 different people. Every time I talk to someone I write their name and what they told me.

I have started talking to someone from the Executive Resolution Group and he seems to be trying to help me. But I still do not trust Chase and I still do not know if I will be able to keep my home. At this point it seems that in order to keep my home I have to do what Chase ask me to do.

SOMEONE NEEDS TO CHECK ON HOW CHASE DOES BUSINESS!!!!

I sent papers for a modification of the loan after I fell back on my payments.
They asked me to send all this papers and letters to the Home Assistance Department. Now they moved my file to a person Named Monica...
She doesn't take calls, her message is clear that she doesn't want you to leave more than one message. I don't know what to do, I owe them lots o money and the will not talk to me.
I think that we all have to find lawyers that can force chase to talk to their customers.

I hear you can hold off forecloser if you ask the mortgage holder to
"produce the note". hoe does this work?

We all need to call Chase and get them to help now that the Obama affordable home plan is in place.

We were only one month behind on our adjustable rate payment when I tried to get them to modify our loan and all they did was give me the run-around! I couldn’t believe it when the guy on the phone (he was a big jerk!) actually said that my family shouldn’t eat so much because then we would spend less on groceries and would have more money to make our mortgage payment! He also said we should get a cheaper car and a bunch of other stuff that was really rude. This whole thing was keeping me up at night worrying about what was going to happen to us. I told my friend at work about this and she said I should call the loan modification company that got her loan modified down to 3.25% fixed interest rate! I finally decided to call them, and in about 45 days they got my interest rate down to 3.85% on a fixed rate too! The company is American Foreclosure Specialists and we are really happy with what they did for us. The website is afscanhelp.com. We chose them because they didn’t make a bunch of promises like some of the other companies and they had a 100% money back guarantee. I hope this helps some other people fighting with their loan company!

Is this info true? I cannot believe Chase is really like this. I need some help and now I am afraid that they will foreclose on me. What should I do?

Pamela & All Those In Business with Chase:

Get Out Fast!
Refinance if anyway possible. Chase business practices are not ethical and they are only out for themselves. My house was being foreclosed on and I had 2 loans on it. Wells Fargo tried to buy it out on the courthouse steps and Chase would not allow them to. My Wells Fargo account was fine. My loans were sold 4 times to different companies. Chase will tell you that they are investigating the problem and won't allow you to make any payments while they are doing this. So you are getting behind and then when it goes to foreclosure they drive by every month and charge you to see that you are still living there, when they know you are trying to save your house. In court Chase's attorney and my attorney recommended for me to let it go and take my cash money to buy something else. Chase had a 3 inch envelope with all my notes and who I spoke with, date and times and still decided to take my house. If you think when they say it will be investigated, you will get a fair shake, think again. Chase investigates the loan themselves and does not hire an independent agency. They will not find any fault with what they have done. I put 5 % down and paid for all my upgrades cash! They came out ahead to take my house. They didn't lose any money at all! The last court date was in October 2008 and I just got a letter from them in the mail asking me for a current copy of my insurance. I told them that they owned the house since Novermber 2008. If they can't keep up with the insurance then how can they determine the status of your loan??????They served me with papers to move 3 days before Thanksgiving. The worst part of the situation was that I live in the area that was affected by hurricane IKE!!!!!!!!!!!! They have no compassion. Get out now if you can!!!!!! If you want to know more let me know

I notified Chase in Dec.2008 that hubby had lost job. I asked about the loan modification. It is now Sept.2009 and not a thing done. Today they have requested the same information they have recieved 3 times already!! Chase is a joke. I truely believe they are making money by forclosing on people.

I requested a modification in November 2008, I was turned down 3 times for not communicating with them in a timely fashion. Big lie because I called them every week. Any way I am still waiting for the 4th attempt and facing foreclosure otherwise. If they deny it one more time, I am returning the title and walk away.
They will loose big time in the long run.

I posted on here in May 2008. I got an attorney to fight the foreclosure. We went to court and the attorney for Chase and my attorney advised me to let the house go and take my $8500.00 and pay cash for something else. This was a hard pill to swallow but I did. I bought the interest rate down, put 10% down on the house so I had a lot of money in the house. They have sold the house since. Chase took all the money out of the sale and told Wells Fargo that there was nothing left for them for the second loan. Chase reports on my credit every month when they foreclosed in November 2008. I had to move out 3 days before Thanksgiving. My credit is ruined. The worst part of the whole thing is that I have received 3 letters from Chase asking for the insurance coverage on the house. Last one received in September 2009. I sent them copies of all my notes on the house, which was 3 inches thick and they reviewed it themselves. Determined that their records were right and foreclosed. If they can't determine who should be carrying the insurance on the house a year later, how can they determine anything else? I need help. I am fed up with them and this is harrassement. Is there anything I can do????? I know there are others out there in the same position I was in and am in now. Please help.

new update... after sending in information again(4 times now) to Chase on Sept 16 like they requested..I called CHASE on Oct 6 to check status of loan modification and they requested same information again(5 times)...What a run around.
They are making money off these foreclosures....CHASE most likely has their hands in real estate

Wow!! seems like Chase needs a time out,and all the reps. need to take classes on how to treat their clients. Our situation fits right in with everyone else. We got behind on our mortgage due to job layoffs. We kept paying them as much as we could afford every month by personal check, and they cashed them as fast as they got them..but according to their records, we got behind about 2.5 months. The mortgage foreclosure letter came in the mail. We did talk to a rep. who seemed to be so sincere!! WRONG!! She told us, if you send 5,250.00 it will cover attorney fees,late fees, late mortgage payments, and that will bring your loan current. Next payment due Dec. Wow, thats fantastic we said!! We sent a certified cashiers check,which was cashed by chase on Thursday Nov. 6th. On Friday Nov 7th, a sheriff was knocking on our door with a sheriff sale for our house. Hey, it would of been nice if you would of contacted the attorney we paid for, and told them to not have the sheriff deliver the goods..OOps we forgot to let them know, but the big check we received from you folks for looks mighty fine.. Since then, we have not received a statement or itemized statement of where the money was allocated to and how much. I happened to call, to check on our statement because it wasn't mailed to us. WE were told your next payment WAS due on Nov. 1st.and you now have a late fee of 49.00 to also go in our big fat pocket book, When I called the rep, I was told you are late, and you do owe for Now. I was in total shock. That big lump sum should of covered NOV. I talked to a counselor who deals with mort. companies,and she said, you can't trust a word that comes out of their mouths. So many inconsistancies. the reps are just their to get more money out of you,and don't know what end is up.If you ask them well how much do I how, they put you on hold casuse they don't know themselves or gee my comp. is down. We were told by counselor that we weremost likely misquoted the reinstated fee by a 1000.00 Dumb luck... Does anyone know how to use a calculator and be accurate..?

if there is a pending civil class action lawsuit against CHASE HOME FINANCE..PLEASE INCLUDE ME

I have been trying to get modified with Chase for 2 years! For one reason or another I was rejected. When I got the loan none of the things they denied me for was an issue. Now I have a buyer for my property they refuse to negotiate and want me to pay for the time they drug me along. They knew all along they were not going to give me a modification. This will all end up in court I am sure. I was hoping to avoid all of that. Chase does not want to take any responsibility for a mess they helped create!

Do you understand that this is the best time to receive the help, which can realize your dreams.

How can someone get away living in a house and not paying a note for 2 year?

To the question of How can someone get away with bla bla bla bla.

I have not paid a mortgage note since October 2008.

So to answer the question:
I got behind two months when I lost some contracts. I am a self employed.
I contacted Chase and they told me that in order to help me I should be behind in my payments for several months and they promise to give me lower payments immediately after I applied.
This was october 2008, I applied for a MOD 5 times and every time I applied I was told they didn't have all the paper work and to please start again until I asked for a community agency to help, once we had all the paper work in order for the 5th time the answer from Chase was, sorry but we sold your account to a firm called LBPS (themselves, now changed to Soterus, themselves again)
So I was offered a modification from the debt collectors called LBPS but they added all the missed payments, so instead of 350K now I owe 450K. For a property that is listed for 180K

I am doing a short sale now and will loose the battle to the crooks but I, save the little bit I could to afford a rental place instead.
So the question is not how to get away with not paying, but how can we loose the house of our dreams to the new americans (chinese investors
I guess)
So guess where I have to send my final payment from the buyer......JBP Morgan Chase Bank.
Are we all blind?

Chase is above the Law of the Land.

Read:

The Multistate Group Engaged in inquiries of mortgage servicer improprieties if you doubt it!

I am going threw the samething as a lot of other people that I have read about here on this website. I have not missed a payment or have not been late. I filed bankrupcty in 2010,didn't file on my house. In 2009 I let chase put homeowners insurance on my home, made all my payments then after I got my own insurance they kept puting their insur. on my noteand throwing money in an escrow account instead of appling it to my loan(which they threw late charges too) Also I buy Flood Insur. I am in zone X, but chase took it up on themselves to move me out of zone X and put me in zone A,E which is a high risk area and then they dicided to up my coverage on the home and my personnal contents. In the last year and a half I have spent hours on the phone with chase,but nothing was ever corrected,at one point I ask to speak to an American and they hung up on me and another time I ask to speak to someone who could speak proper English and I was hung up on again. Then in March of 2011 when I sent my payment in I wrote a note and told them if their were Americans that I could have spoken to this problem would not have gone this far. Guess what happened? Thats right they sent my payment back and said they were foreclosing. I have a Lawyer and I am going to fight Chase and they will compensate me for all the mental angish they have caused me. My Lawyer will not sell out like I have read about from some people that have posted here.