If you are trying to go through a loan modification you are aware of what a difficult process it can be. If you are going through a loan modification with Chase it is nearly impossible. According to the nonprofit news outfit ProPublica, over 97,000 homeowners have been stuck in a trial loan modification, and 60,000 of those 97,000 have a loan through Chase.

According to an L.A. Times article, Chase spokesman Thomas A. Kelly said he hadn’t seen the ProPublica report. However, he said the New York bank “calls borrowers up to 36 times, sends up to 15 mailings and then knocks on their doors twice to try and get the documents we need.

According the list that RealtyTrac recently released sun belt states and cities continue to top the list for foreclosures. According to the L.A. Times. “Cities in four Sun Belt states swept the top 20 list of metro areas ravaged by repossessed homes, according real estate website RealtyTrac’s report.” The city with the biggest foreclosure problem was Las Vegas, Nevada which has had one of the highest foreclosure rates since the beginning of the down turn.

California cities such as Merced, Bakersfield, Stockton, Modesto, and San Bernardino continue to remain high on the list.