Mortgage Modification Problem? Call your state Representative

[mr1963]

I have been in a mortgage modification for 7 months. My trial plan period ended in April (according to the universal instrument form from Chase). I have been asked for the same "update information" several times. After a conversation with a Chase rep, I decided to contact an attorney. The attorney said that Chase is ignoring letters from attorneys and suggested contacting my state and federal representatives. I contacted Tom Knollman's office (Southeast Indiana representative). I received a phone call from Mr. Knollman's office. I was SHOCKED!! I was emailed a form to send to the Indiana Department of Financial Institutions. I mailed it today. I'm not sure if it will get me anywhere, but, what the heck. It's worth a try. I may have doomed my modification. At least I am going down fighting.

Bottom line is, call or email your state and federal representatives! You may get a surprise. If enough people contact the representatives that WE pay, maybe something will shake out. Contact an attorney before you sign any trial plan agreement. I wish that I had.

If you have entered a trial plan, keep in contact with the mortage holder. They may not call you. Be sure to keep notes of every conversation with bank reps. Keep a copy of everything that you send the bank (they will probably ask for it again).

I will post updates. Good luck to all.