Is forbearance the best option with Chase?

I sent in loan modification paperwork several times since April 2009 and paperwork kept becoming outdated before it would be evaluated. Finally in Jan 2010 I was put on a suspended payment forbearance and was told that $8107 was due on June 1 2010. I paid $8152 June 2010 and was under the impression that would bring my account current and I would then continue to make monthly payments. However July 13 2010 I learned that my house had been put back in active foreclosure and I now owe another lump sum of $6400 to reinstate my loan. I exhausted all financial means to get the $8152 and do not have any way to get the $6400. I have been in the process of applying for another loan modification but doubt I will be approved because I make too much money and my house payment is not more than 31% of income. I originally got in this situation due to going out on maternity leave which cut out income in half. Then when I went back to work my hours were cut drastically. I am now working full time and have the means to pay my monthly payment but don't have the means to pay another lump sum. is forbearance the best option with Chase?