I applied for loan modification with Chase in May of this year and called them a few times over the last few months, but was told that they have not assigned anyone to work on my case at all. From the conversations, I sensed that they are working on people who are in the foreclosure process or behind in payments. I searched online discussion board and saw that people recommend stop payment to move ahead of the modification program. I have been current on my mortgage payment so far and have good credit score, but have tapped into my checking account\'s overdraft protection to pay mortgage for the last two months.

Should I stop paying Chase now to get their attention to work on my modification application? If I stop one or two payments, how bad will it affect my credit score? Will they start the foreclosure process on my home if I stop payments? What would happen next if I stop payment? Anyone have the same experience, please share. I welcome any ideas. Thank you.