I have been trying to work with GMAC since Dec of 08. I called them in Dec when I had missed my first payment to give them information on why I was late and was having a hard time. I was told to call the refi dept. In Jan. the Hope for Homeowners people sent in a modification request that was denied by GMAC because they said I had too little income. Funny though that a month later (when I was 3 months behind on my mortgage) I qualified for a modification. I have asked for a Home affordable Modification (obama plan) and have received nothing... read full review »