GMAC Mortgage entered into a modification agreement with me. Afer the first payment was collected, I received a letter from them stating that my rate would increase for the next month even though the modification agreement stated that my payments would be fixed for 2 years. I continued to make my payments according to the terms in the signed contract. For over 5 months, GMAC cashed my checks but never credited my account. After collecting payments for over 5 months, GMAC filed a NOTICE of DEFAULT against me. They are outrageous!! I am an... read full review »