GMAC Loan Modification
HEMP Modification (FHA)
Loan Number 0602466724
To Whom It May Concern: This letter I am writing to you is a hardship letter to GMAC it will explain why I need my loan modification.
In April of 2010 my wife and I split up and we got a divorce and at that time I filed for this loan modification because of a financial hardship in as much as when I bought this home it was done so with two incomes and ever since the divorce there is only one income and that would be the hardship in which I filed for the loan modification. I got a hold of GMAC and I ask many questions as to how I go about filing for the loan modification and I followed all of their instructions to the letter. The First papers were filed in June 2010 when I faxed over all of the papers that were required of me by GMAC, waited a few days and then called them of the phone to make sure that they had everything that they needed in order to go forward with the modification of my loan. [continued below]....
I called every week to make sure that GMAC had everything that they needed and I was given the name and number of a representative of GMAC that I could call to inquire about my modification. Every time I called I left a message with my phone number and I asked if there was anything I could do to help or to assist in any way with my modification , I called at least 10 or 12 times and I never got an answer to any of my calls I made. I finally called to find out why I had never gotten a call back from this individual whom I was leaving messages for, at this time I found out that I was calling the wrong number but I never received a call from GMAC telling me I was calling the wrong person even after it was there system that gave me the number to call in the first place. This is when I was told about the HEMP program. During all this time I also wrote a letter to Senator Patty Murray and she even contacted GMAC in my behalf.
In the later part of September I learned from GMAC that I was not eligible for a loan modification because I have a FHA loan which I could not understand why they had lead me to believe that I was eligible when in fact I was not and then I was told about the HEMP program for people that wanted a loan modification that had an FHA type of a loan , so then on October 4, 2010 I faxed in all new papers to GMAC HEMP division because the date on the first papers was older then 90 days and they had to be redone with a new date on them. So now here I am calling every week to make sure once again that GMAC has everything that they need to proceed with the HEMP modification on my home and then I learned that I should file a complaint with the Attorney Generals office because they want to know how many families in Washington are trying to get loan modifications and if they are having any problems with the process. So now I file with the Attorney Generals office and with in two weeks I receive a notice from The Attorney Generals office that my case has been forwarded to the State Of Washingtons Department of Financial Institutions and that they would contact me very soon. I waited about two weeks and then I called the Department of Financial Institutions and I was told about their process and that I would be hearing from them as soon as they got caught up on all of the cases they had in front of them. While all of this is going on GMAC contacts me by letter and tells me that I am going to have to get a quick claim deed to take my wifes name off of the title of the house, if I want to get my loan modification. I then went out and hired an attorney to get my quick claim deed and do as GMAC has asked me to do which cost me another $250.00 that I did not have but I was forced to do so by GMAC. In the mean time it is getting close to February 12Th when the new 90 days will be up so on February 16, 2011 I call GMAC and I am told that the loan modification through the HEMP program has been denied because of lack of financial and not being able to afford to make the payments on my home. I have never been late on any of my payment to GMAC and I have made them on time every month since my divorce so my track record means nothing to GMAC. I have expressed my desire to keep my home and that I needed their help with this modification to be able to do so.
In September 2011 I hired an attorney to represent me in another attempt for my modification and in November 2011 I was denied for the third time and the reason that I was given was that I could not afford a lower payment but that I could afford a higher one. I have finally contacted HUD and now they are looking into the reality if I was treated correctly or not. I would love to be a part of any class action against GMAC in regards to these modifications that they are lying about to avoid using the money they were given for this purpose.