Hello Everyone,
I fought the good fight against GMAC and won. I feel very blessed and fortunate that I was able to defeat GMAC and come away from the war with home, heart, and health intact. However, if I knew then what I know now the battles would have been easier and the victory would have been sweeter.
I did my case as a Pro Se without the benefit of counsel or legal representation. Was that a wise decision, I don't know, but it was the only option available to me at the time.
Whether you decide to represent yourself or hire an attorney I suggest that you become as knowledgeable as possible about the legal system. Do a web search on Yahoo for the Pro Se Handbook. I think most state have one. California's seems to have the most extensive and informative.
If you are filing for, or you are already in bankruptcy I recommend you research the purpose, duties, and obligations of a bankruptcy trustee when there is fraud and/or abuse involved in a bankruptcy. The following site is a real eye opener: www.wjfa.net/bk/manuals/bkfraud&abuseenf. Pdf.
You should become familiar with the Federal Rules of Bankruptcy Procedure. The Federal Rules contains information about the codes, rules, and forms necessary to navigate the bankruptcy system. Also, obtain a copy of the Local Rules from the Clerk of the Court. The Local Rules address issues specific to the court where your case will be held.
Folks, here's one last suggestion, it seems as though everyone has the same or similar complaints about their mortgage company or loan servicer. We all claim that they are intentionally trying to steal our homes by failing to keep an accurate accounting of our mortgage loan and escrow payments. What these companies are doing is pure and simple embezzlement, stealing our homes is just icing on the cake. Before you go to court have a CPA do an official accounting of your loan. If we are to prevail we must be able to present evidence to the court of the mortgage company or loan servicer's fraudulent and egregious behavior.
Do not allow GMAC to ruin your holidays. Be of good cheer and know that as children of God he will fight our battles and see to the ruination of our enemies.
Merry Christmas and Happy New Years.
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