Hi all, just a little background into my situation:

I have a 2008 Saturn Vue that is financed through GMAC/Ally. I'm one payment behind right now and soon to be 1.5 payments behind. In the past, as soon as I was 1 day late, I would start receiving collection calls. In the past month...

We are filing Ch.7 in February, and I just missed my second payment on my mortgages.

Home value: 185K-ish
1st w/Wells Fargo: 155K-ish
2nd w/GMAC: 180K-ish
3rd w/Greentree: 45K-ish


I'm assuming Greentree isn't going to waste their time with...

Currently in Chapter 13 and have been offered a settlement offer by GMAC for $18,600 on a mortgage on appx. $71,000. Per letter from GMAC:

After a careful review of certain information, we have elected to accept $18,600.00 in
certified funds as full and final satisfaction of your...

Hello all,

I've been lurking here for the past few months while I filled out pro se paperwork for DH and myself. You've been very helpful. This is kind of complicated, so please bear with me...

TMobile-
We filed in the morning on Tuesday (6/16) and Tmobile shut off our...