I have lived in my home for 23 years and refinanced with Chase Home Finance in 2007 with a "no documentation loan", whereby no proof of income was necessary. I was starting a business at that time and used the refinanced funds to finance a business for my fiancee and I, only our relationship ended and I got stuck with the bills. I always made my payments on time but due to unemployment, I am now months behind. I started contacting them back in 2008 to let them know I was expecting financial difficulty. After two letters to them and a... read full review »