need urgent help!!!!

[rose450]

We have 3 properties. All in foreclosure but at this moment held off by a bankruptcy (ch. 13) filing that will end in 2 weeks. We have decided, with the attny's input, to withdraw the bankruptcy. We have been self employed, in furniture manufacturing for 15 years. All was fine until last year. A short term business partnership went under due to the economy, and the rest is history. We did have a sales contract on a rental in GA (first mtg with Countrywide, 2nd with SLS), but the couple walked out the week they were to close. Left us with over $7000 in damages and bills, causing us to lose control of all payments. we just wanted to sell that house, couldn't even get what we owed 6 months ago. we are willing to let that house go. It went into foreclosure, but did not sell because Countrywide had an in-house issue with the documentation. Before it went into a foreclosure sales situation again, we filed bankruptcy to stop the rest of the domino effect. We have another home in GA that we have lived in for almost 17 years. We had a family member-renter there after we moved to NC 3 years ago. they mainly took care of the house, and we stayed there when doing business in the Atlanta area. It was a lake home that now, due to GA's drought, has had no lake for almost 2 years. The property is worth 1/2 what we owe on the mtg. We refinanced that home with Option One a few years ago. It has a fixed 10%. We did that thinking we would refinance at a lower rate when we sold the rental house. Obviously, that did not work out. we currently live in NC. This is a family farm we refinanced with GMAC about 5 years ago. It is where we want to live, with family close by. I decided to stop our business of 17 years and go back to teaching. I will start in 2 weeks. We called GMAC 3 weeks ago about this, but they said they could not talk to us because of the bankruptcy. They told us to have the attny. send them a document saying the bankruptcy was cancelled, then they could talk to us. We checked with our county and they have no current file on the foreclosure. We may have been able to stop that before it went to the county.
We are really frightened about what will happen when the bankruptcy is pulled in 2 weeks. We would like to be able to modify or take the outstanding payments and put them to the end of the mortgage on our farm (mtg with GMAC). We have not seen anything like our situation on the postings. Any help would be greatly appreciated. Sin ce we have had to use the bankruptcy, we wonder if we should have an attorney represent us to GMAC to work out a possible modification or forebearance. we are getting lots of mailers on loan modifications, but don't know which way to turn. Please help. Thanks,
rose450