GM Financial GM- Ameritrade First time 30 day late from 2011 to 2014 -never late first time- no break farmington hills michigan Nationwide

 You have access to the internet!! There are many agencies in your town than assist with temporary housing, mortgage payments, food, clothing etc etc.  Utilize them.  Until then I suggest you pay the late charge.  Times are tough for everyone not just you.  Time to take responsibility for your actions and priorities.

 I am sorry for what ever theft occured, but I guess I missed where the RipOff is?

When does it become the requirement of a company to make an "exception" for someone just because they did what they were supposed to do for 4 1/2 years and then had an issue?  That's right you seem to think you are entitled to some special treatment just because you did what you made an agreement to do...pay your bill on time. 

Now, yes would it be NICE if they did this..of course.  But the fact that they don't does not make it a RipOff.

But as for the "pitty party" of "oh poor me I can't afford a house because they are not being nice".  Well here is where that fails.  If you are in the process of buying a house you need to have a down payment, and with the requirements today it is probably several thousand dollars.  Now..follow me here.  If you have several thousand dollars sitting there and you know you are approaching the 30 day mark what do you think you should do?  Ummm...you could have taken a few hundred from that and pay your bill, then in a few days when you had the money put the money you would have sent to the car payment back toward your down payment.   So this would have been 100% avoidable had you acted.

That is of course if you truly did have a down payment set aside.  If not, then it doesn't matter what your credit is but no lender is going to give you a no money down mortage these days.  So you would be just dreaming in this case.