I have been trying for 3 years to get Chase (Chase is the first lien holder and only mortgage co) to do a loan mod.  I went through the 3 month trial period and never was offered a permanent loan mod.  January 2011, I was notified that my servicer is now LBPS.  May 2011, I got a letter that the NEW name of LBPS is Seterus.

August 12, 2011, I was told that Seterus is a collection agency and that they can still do the loan mod.  First they want me to go through the 3 month trial period again.  Since January 2011, I have been updating my financials with LBPS in hopes of getting approved for a loan mod.  The agent from Seterus during that conversation made the typical collection agency comments like, "your loan is so far behind you probably won't qualify, you are better off doing a deed in lieu".  I REALLY want to save my home and I do qualify for a loan mod.  Does anyone have any advise on how to proceed?  P.S. Has anyone had any success with Suemymortgagecompany.com or similar tactics?