We purchased our home in July 1990, the mortgage sold several times.in June 1995 the mortgage was sold to Capsted Mortgage. We at the same time got legal custody of a young boy with special needs and issues which virtually deleted our banking accounts and caused the loss of my job of 12 years.
We filed for Chapter 13 in July of 1997; during that time, our Mortgage was sold to Gmac. We were able to pay off bankruptcy early and it was dischared Oct. 5; at this time, Gmac was saying we were three months behind. They kept our file in default accepting mortgage payments and then refusing others, sending them back with forecloser notices.
I tried aimlessly to work this out.in March after getting a lawyer, Gmac has not accepted any payments and now our mortgage is behind in payments for 14 months. I have everything documented - all cancelled checks from 1997 to March (when they refused to accept payments). Gmac stated I owe them 17 months, not 14, as well as they want us to sign a settlement paper (which we, of course, will not). They took us to court twice already for a judgement concerning the situation; Gmac was denied both times.
Our family has tried our best to work with them; we have been unable to uncover the truth we have known since October 2. I have all the proof to make it a open and shut case yet we are still paying thousands of dollars for lawyer fees leaving me with intolerable familial stress and personal health problems. They are taking us to court for the third time. This is all unnecessary concerning the proof I hold; the documentation renders this unnecessary.
I will fight to the bitter end if this is what Gmac wants in order to keep this roof over my family's head. Two of my friends had there homes taken by this same corporation because they could not fight back. GMAC has not only robbed me of my credit and money to pay for a lawyer, its destroying my family and sanity! I am looking to start a group to fight back! They want a war? Lets step up and give them one! If interested, respond with rebuttal.
These are OUR HOMES!!! If any other info is needed, please contact me because I have a WEALTH of knowledge concerning Gmac and other mortgage issues. I thank God I Keep ALL MY RECORDS and pray it ends soon.
Thanks for listening and BEWARE OF GMAC CORP.
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