After being unexpectedly laid off in November, 2009, due to a refinery closing, I became behind in my mortgage payments, and subsequently agreed with Chase Bank to make "forebearance" payments for three months. Much to my surprise, the "forebearance" payments actually went "UP" about $55 a month. Nonetheless, I made the payments as agreed upon, and filed all necessary paperwork for Modification. I made all payments via Western Union every month, on the first of the month. My first payment was in January, and after... read full review »