I recently filed a loan modification application with GMAC and after about 3 months of going round and round with requests for everything i already submitted they told me, when i called, i don't make enough to pay my bills and a loan modification isn't going to help me. They claim I'm 3k short a month but somehow I'm current on all my bills however this will change after my wife just had brain surgery and will not be able to return to her job ever, which is about an 85k loss in pay for us. I then learned that we do not qualify because we are current in our payments. I have a payment due in about 6 days that i can't make and wanted to avoid this as i knew this day was coming but now i need help and i don't want to ruin the credit i have worked so long to preserve. Any help or advice would be greatly appreciated. Thanks in advance.