GMAC Mortgage - HUD
GMAC Mortgage And HUD Foreclosed on our home, Violated FHA/HUD loss mitigation, Took all of our property

We had a FHA home loan that was serviced by GMAC Mortgage. They first filed an illegal foreclosure in 2001. I notified HUD to file a complaint and provided HUD proof that GMAC was in violation of HUD guidelines. GMAC was forced to drop the foreclosure and we reinstated our mortgage. However, with my very next mortgage payment after reinstated the mortgage was not credited to my account. I wrote to GMAC but got no response.

I then sent to them two mortgage payments in guaranteed funds and mailed them by UPS so I would have proof. Again they did not credit the account and again filed foreclosure. I filed bankruptcy in order to stop the foreclosure. Before confirming the bankruptcy I contacted HUD again and explained the situation. HUD told me the bankruptcy would have to be dropped and then GMAC would work with us. I contacted GMAC and told them I was dropping the bankruptcy and as soon as they received verification by the court the bankruptcy was dropped to send the the paperwork for us to refinance and reinstate the loan.instead of doing that they went ahead with the foreclosure without notifying us.

I contacted HUD and they were investigating. HUD requires you stay in the home in order for them to assist homeowners. While awaiting a response from HUD the sheriff came and said they would return in 48 hrs to lock up our home.

I then frantically faxed HUD and called leaving messages telling them what happened. HUD didn't stop the sheriff however so the sheriff came kicked us out of the home with only the clothes on our backs. HUD then refused to help us because we were no longer in the home. GMAC would not let us get our property out of the home so we lost everything we owned. I don't have pictures of my children growing up, nothing. Everything but what we were wearing was taken. GMAC and HUD destroyed our lives.

Company: GMAC Mortgage - HUD
Country: USA
State: Iowa
City: Waterloo
Phone: 8007664622
Site: gmacmortgage.com

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