I am so glad that I found this site. I had always known that I was not alone, but it sure felt that way sometimes!
Long story short, I was behind on my mortgage, which is not in my name, as we took over an existing note by getting it out of foreclosure the first time. During the last 6 years, I had one near foreclosure, but was able to pay all of the attorney's fees, etc. Anyway, my husband and I split in August and I made the August payment late, but before September 5. I was not able to make Sept or Oct until Nov 15, both at the same time and both refused. I came up with the rest of November, so I sent them $1500.00 on November 29, which was all 3 payments due. Plus a little extra, as my payments were around $450.00/month. Got a letter from GMAC stating that I did not send them all of the amount owed, and that the $1500.00 was refused also.
GMAC tells the original owner to have me make out a balance sheet, for lack of better words, showing my income and expenditures and they would work with us in trying to keep the property. After faxing the required documents to them, we tried in vain to contact the woman we were supposed to talk to. We were not allowed to talk to anyone else. She was the deciding person on whether or not this property would be sold on January 2, and we could talk to no one but her. After getting nowhere for the first week, we began calling the second week— The week of December 23, of which she would be out of the office until January 2, the date of the foreclosure sale! So how in the heck can we talk to someone who isn't there and no one else knows a thing about it???
We even tried calling after the sale date, but still couldn't get any information. So we sat and waited. A long wait for a mother of 3 kids, all the while trying to keep my head together from the insanity of my life, and the added stresses of being a suddenly single mom with those 3 kids and no monetary support from the dad.
Last Sunday, when someone checked for Saturday's mail, we received the notice that it had been sold in a foreclosure sale. Expected, but a shock nontheless. Especially when I had to use the money that I did have saved to feed those kids, or buy them the necessary things in life. No frills in almost a year, I think I did good to pay the electric bills that range $300.00 each month, with no working furnace or air conditioners!
So, while it seems bad for me, I am happy to say that I, for one, am glad to be out of their clutches. I did find out from the lady with the homeowner's insurance company that even when the account was current, my insurace premium was not paid in time and we were cancelled also!
For me, this dream turned into a nightmare, but it is slowly beginning to get better. Moving here was the beginning of the end of my marriage, but we have since gotten back together and are trying to make a fresh start. I have already had my eviction notice taped to the door, and I will gladly go. When the new company finds out the distressed, drugged out neighborhood this house is in, and all the problems associated with this house, they might not buy from GMAC again. But then again they might. Let them have the neighbors, the drugs, the bugs, the problems. I don't need them anymore.
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