do you need a attorney to help with a loan modification..having a hard time with Chase been denied twice both times with different incomes...

Many loan modifications are completed without attorney involvement.  However, modification terms may be complex enough that an attorney should be consulted to explain legal terms and effects and possible options.  The tax effect of a modification may also require that your tax advisor be consulted. In any event make sure that you read AND understand all documents of the loan modification.  If you do not understand everything, then seek legal counsel. NOT intended as legal advice for your particular circumstances. Do not rely on this and seek your own specific legal advice. No attorney-client relationship is established hereby.