I have been trying to get a loan modification since march 2009 with Chase. I have a change in my household income(husband left) and I am struggling, borrowing money to try to keep my payments current. On yesterday they told me that my request was denied because I am not far enough behind on my payments and that I do not have enough surplus income. I am so sick of Chase. They are not willing to help the homeowners who are trying to do the right thing. I guest I have to fall behind and stand the chance of me and my children being homeless before I can get help. I have tried on several occasions to get contact numbers for the corporate office to inform them of how I am being treated, but no one will give me this information. I need help and now