Please understand that if you fail to pay your mortgage, the bank will foreclose. You might want to consider a loan modification or a short sale.
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If you can not make the payment the bank can proceed with a foreclosure. High unemployment has put so many good people in your situation. While the bank's representative may have been rude and unbusinesslike she did not violate any laws. If you have equity you may wish to sell the house as a foreclosure adds thousand of dollars to the balance. If you are underwater you could stop paying and wait out the foreclosure.
Chase's behavior is the natural result of you breaching your mortgage contract, regardless of the reason or extent of the default. Welcome to collections industry.
That said, you have rights and options to detailed to explain here. Skillfully managing a foreclosure situation is crucial to you avoiding the loss of your home or buying time to find the income you will need to keep the property. Get a lawyer.