GMAC - RESCAP - HOMECOMINGS FINANCIAL GMAC Mortgage . Homecomings Financial after 3 attempts at loan modification, servicer was changed to GMAC from Hoecomings, and begin trial repayment arrangement.... Internet

I was having problems making the payments last year before GMAC took over. I was told I couldn't get any help with their version of a loan modification unless I was three months behind. I told them I wanted to stay current but I was struggling. I never went more than 30 days late but had a man out here taking pictures of my house. I asked who he was and he said he was checking on the property as they were concerned I was going to go into default. I told him (at that time ) I was only 28 days late and it would be in before the 30 days period. In the 3 years I have had this loan I have only been late twice more than 30 days and that was over a year ago. They never gave me any kind of help only their version of advice which ws to go past my 30 days so it would go into default and then they could help --but usually not for 90 days after that! Might as well have given the house back to them. I must say that GMAC is not living up to their Obama home loan modification either -I filed papers 4 months ago and they keep saying it is being processed. I filled out tons of paperwork for a modification through Homecomings and no matter where it was sent or faxed they claim to not received it or were reviewing it.