Gmac Mortgage sent me a letter received on 21 Apr. 2009 saying my loan was in default. I had talk to GMAC Mortgage in Apr. and ask why my payment had gone up and was told I needed to pay the short fall on my escrow account. I told the person I had in Feb. 2009. The lady check and said yes I had and it had been misapplied and it would be changed. Then the letter on the 21 Apr 2009 came again I called GMAC and found my account had been turn over to collections. I could not understand the lady whom I was connected to and she did not want to hear... read full review »