[Thelimat]

Unfortunately, situations like yours are all too common these days. It is possible for you to get assistance from your lender, but it will require patience and persistence.

Step 1 - You need to reapply for a modification as soon as possible.

Step 2 - Contact your homeowner's insurance agent and get the policy set up again, even if you can only pay monthly. You do not want your lender to force-place insurance. This type of insurance can cost you 2-4x what your policy would normally cost.

Step 3 - Contact GMAC's escrow department and explain that your taxes and insurance have not been paid and you are currently requesting they pay it. If they are not currently escrowing for this, ask them to set it up for you. This may take several follow up phone calls to ensure it is done. Make sure you get a fax number and fax them copies of your homeowners insurance information and property tax statements.

Step 4 - Once you have confirmed GMAC has received your request for a modification, ask if they can put you on a payment or forbearance plan. Explain your situation and say you want to do whatever you can to begin making payments again to keep your home out of foreclosure.

Step 5 - Keep calling. You should call your lender at least once a week. No matter what they tell you, keep making payments until you have documents in your hand.

This is a very lengthy process. I tried to keep this post as simple as possible, if you need more help, have questions, or run into any other issues let me know.