Call Chase and ask if there is a foreclosure date scheduled. If there isn't one then you may still have several months. New Jersey still has a huge back-log on foreclosure filings and proceedings. Your bank should inform you what that date is, if it's already scheduled. If they don't then you can call county clerk's office and find out, or go on their website. If it's true that the attorney only filed in Sept. '12 then you may still have quite a bit of time; you can also request the attorney's information and ask them. Now, just so that you are aware - Chase may be begging of you to remain because, in fact, they really would prefer you modify the loan, or short sale if you cannot. Chase also has "Seller Incentive" programs that allow you a relocation incentive (monetary) if you successfully close a short sale transaction. Call me. I can help you with this if you need more information. (609) 992-6872. Good Luck!