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We added a ground level wood deck and reran new wiring for the hot tub. This has been a complete and utter cluster. I called GMAC and of course, its a Saturday and no ones around. I went in to the hospital on October gmac traditional loan modification 1st with a heart attack.

We finally hired an attorney 6 months into this mess. In the meantime, I lost my job of 27 years and my husband took a pay cut.

My husband called to find out what it was for and was told by the office person that she didnt know and would have to call back. As such, unless they agree to reduce the principle, the payment is going to be higher, at which point you need to decide if it is even worth it to keep the home, unless the value and market condition increase, to the point where you can either sell it or refinance it, with better terms.

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