[SeaAtl]

Newbie here, never posted in any type of forum.......I can provide details if helpful, but in a nutshell - My company downsized and I was laid off November 7th. My wife is a nurse and works part time, but the loss of my six-figure salary is really hurting. We have not been late nor missed any payments, but our reserves will be depleted within weeks. So, my wife called GMAC about a loan modification and was told flatly that they couldn't do anything. I've spent the past couple of hours reading the posts & threads on this website's forum (which is awesome, by the way) and am starting to piece together that there is a specific number I need to dial to get the correct department etc. But please bare with me as I ask the most basic of questions, as I am having trouble finding this answer on this blog or elsewhere in cyberspace - are we going to qualify for any type of modification program even though we haven't missed any payments yet? We are soooo close to being in the same boat as many of the good people in this forum who are behind. But unless I am missing something, some of the thread posts seem to indicate that missing payments is a requirement for help. Any help, clarification, direction, etc. from you all would be much appreciated. Thanks in advance.