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How do I negotiate with GMAC
I filed bankruptcy (chapter 7) last year. Currently My wife and trustee own the house. We are selling the house. however we got very low offer from buyer. My wife did not agree to sell the house. Now she wants to keep it. To do this. We need to refinance or negotiate to current mortgage lender for repayment plan or some kind of help to catch up the monthly payment. My question is: How should I negotiate to mortgage lender ? Do I need attorney ? Any possibility to reduce out standing interest amount ? Please contact me as soon as possible.
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How do you get GMAC to work with you? Yes I did get as far as stoping the foreclosure however I did that on my own but had hired a miragitor to help me get the payments but based on what I had already set up myself was I able to stop foreclosure. In the mean time they are still reciving my money and haven't owned up to this is something I has stoped by myself.Now I still have not had payments lowered I have paid them 900.00 dollars and they send one message requesting some information like the letter of hardship and pay stubs and bankstatements and of course the money but they have never got anything done in the begining so based on what I had done by getting them to stop foreclosure where do I go from here to get payments lowered. It may be that I am not explaining myself clear so I totally understand if you aren't able to respond to this question.
Thanks, Sherry