[vera]

Proceedings? Ok. So about a year ago I lost income, causing me to default on 4 missed house payments. I tried calling chase and telling them I needed a loan modification. They told me to send all the necessary info and I did, later I was denied the modification, and was told to reapply. I did and again they denied it. First telling me we made enough money and then saying I did not. This is my primary residence and I do not want to lose it. After those 4 months I found another source of income and have been making monthly payments of the full amount plus the late fee. This until last month when i had other expense I really needed to take care of. I tried making my payment this month and they told me I couldn't and when I called I was told my case was referred to an attorney for foreclosure proceedings. I was terrified and immediately tried to work something out with the bank. I have talked to Hartland Mortgage centers but they want to charge me $3,000 to try and do the modification for me, (but explained they could guarantee nothing) and after multiple attempts with Chase a Representative explained I could do a payment of $2800 and that would stop foreclosure proceedings and my next payment will be due next month.. but he couldn't say how much until he received the payment... I am just very confused and would appreciate people's advice especially of those who have had the un-pleasurable experience of going through this... THANK YOU!I