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hat is the name of your state (only U.S. law)? Georgia - Husband lost his job October. Was late with mortgage payment for the first time. I called gmac and told them I will not be able to pay this month because of this. They told me to call back in January if I still couldn't make payment. will they start foreclosure proceedings and also said I would be put in contact with collections. I wanted to do one month deferrment but they said they don't have that plan. Please advise . November was paid, I am talking about December's payment.
hat is the name of your state (only U.S. law)? Georgia - Husband lost his job October. Was late with mortgage payment for the first time. I called gmac and told them I will not be able to pay this month because of this. They told me to call back in January if I still couldn't make payment. will they start foreclosure proceedings and also said I would be put in contact with collections. I wanted to do one month deferrment but they said they don't have that plan. Please advise . November was paid, I am talking about December's payment.