I would suggest that you contact a realtor knowledgeable in short sales. I happen to be working on two right now,. They are very time consuming and lengthy but in most cases stop the foreclosure.
Cathy McGarrigan, GRI
Long and Foster. - 301-292-0700
At Chase, they are responsive if you are dealing with the loss mitigation department and have submitted an offer to purchase, contract, proof of funds for the buyer, and all of your financial information required for a short sale or loan modification. For loan mods, Chase is taking at least 8 months now to get a decision...for short sales, it is about 4-6 months. You need to write a powerful hardship letter...it needs to be very honest and to the point.
If you have specific questions, email me at email@example.com for help - or go to my web faq page for additional info on short sales.