Do you have a mortgage with GMAC, and if so, have they done anything to cause you to default on the loan?

Did your mortgage company do anything illegal to make it appear that you were or are delinquent in paying your mortgage? Did they post your payment late, fail to pay your homeowner insurance, charge unwarranted late fees, sent reports to credit reporting agencies saying you were late on your payment(s). These are just a few of the tactics that a mortgage company or mortgage loan servicer might use to declare that you are in default on your loan and either foreclose or force you into bankruptcy.
I am asking this question because I think I have been victimizes by my mortgage company and I need to know if I am the only person who has experienced this abusive behaivour.

My husband and I were forced to relocate. We rented out our home that was an FHA guaranteed mortgage. The home was destroyed (literally more damage than the property is worth). We are unable to repair or rent out. We made payments for some time, but are no longer able to do so. We did not qualify for forebearance or special programs as we did not live there. We attempted to sell, even at a reduced amount and had no luck. 6 months on the market, and not one interested person. Attorney letter stated that the home is going to auction. What happens after this? If it’s auctioned for $ 10,000 but we owe $ 27,000 —does my mortgage insurance cover the balance or do I fax wage and IRS garnishments? Please do not answer if you are speculating on what will happen. I would like a response from someone who has a factual answer. I realize that foreclosure is not a responsible thing, but given our situation, there is no other option —so, you don’t have to tell me that either. Thanks!
The home was rented by advice of Midland Mortgage Company. We did not qualify for help because our income decreased. We were FORCED to relocate to seek specialized medical care for my son – thank you.
The home was destroyed due to ignorance by the renter. They paid the mortgage and made minor repairs per their contract. We made no money from it. However, they weren’t handy people. Their work to the plumbing resulted in a collapsed sewer line. The roof leaked & leaked & leaked and I was not told. I would have filed an insurance claim on that. This caused roof and raftor damage as well as wall damage inside the home (structural walls). Should I go on… In addition, after abandonment of property, I learned that the home was subject of a drug bust in which a great deal of what one would call cosmetic damage occured. Home had hidden “compartments” cut into walls. The walls now have holes all in them. The ceiling has holes as well as the law enforcement officer entered the attic and broke through in a few places. I could go on forever, but I think you get the point. Now homeowners insurance will cover this malicous damage.
This was our primary residence for 2 years. So, before we rented it out, we got permission from the mortgage company and followed all the mortgage companies guidelines for renting. Thank you Lisa
Texas — refinancing not an option due to son’s increasing medical bills. Refinancing would be a temporary solution. I still could not salvage the home for the amount of damage — yes, that’s our fault — not the mortgage companies — but unfortunate situations strike most of us unperfect people.

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