I think that hsmomx3 has been in the foreclosure process for quite some time now, she was sadly unemployed for a couple years.
Actually, Chase screwed it up so bad that it was not until August they turned the mortgage over to some company I have never heard of, IBM Lender Services, and it was not until November when we got a notice of foreclosure stating the house would be auctioned in February.
To be honest, still have not made arrangements to move into an apartment close to the kids school as I found out, I might lose my job again.