Needing advice.......

Well, I am not really good at this type of thing, but maybe you can work some kind of deal with the company that is the easiest to work with (maybe they can lower payments for a short period of time). Your mortgage seems like the obvious one to pay first, have you spoken to them?

I would work out the mortgage first. Got to have a roof over your head. Who is AMC? Usually the mortgage companies will work with you. Sometimes you just have to keep calling until you get the right person. Best Wishes KYSIDE38

Yes, I have talked to them and they are wanting to do a financial profiling I guess you would say on us. They want to know what we make and where it all goes. Any suggestions?

Ky- I think AMC is owned by Ameriquest. Because I get things all the time from Ameriquest wanting me to get insurance on the mortgage. I just need to find a way to keep all three things!

Wells Fargo wanted to do this on us also. We just sold our house and are in the process of buying another. I know it takes 90 days to foreclose. It is tough when you dont have a company that will work with you. Who is AMC? I dont want to go with them thats for sure. KYSIDE38

See I thought that you had to be 90 days past due for foreclosure. Maybe I just need to keep calling to talk to different people. I just looked up AMC and they are a division of Ameriquest.

You could ask Service Finance if they would do a "skip payment" so you'd only be one payment behind. One of my neighbors is 2 payments behind on her SUV and the company she has her loan with offered this option. It might help take off a bit of the pressure and keep you from having your car repo'd.

I tried that. They won't do it. They claim that they do not skip payments.

I was thinking of trying to go with a debt consolidation place. Would this help with the auto loans?

I don't believe debt consolidation programs can work with auto loans because they are a secured, unlike credit cards, personal loans, medical bills, etc.

Hmmmmm.....darn!!! Thanks for the info though!

Have you filed your tax return yet? If you're going to get anything back, your refund might help you catch up on one or more of the loans payments. Just a thought.

No I haven't yet. Haven't gotten any w-2's yet.

Well, I've seen some tax prep places that will go by your last pay stub of 2006, and can do it that way. As for figuring your mortgage interest to claim, a lot of banks can quote it over the phone if you need to know before the 1099 arrives.

I have heard Ameriquest is not good to work with. I personally can say Wells Fargo stinks. The car payment place will work with you. Mortgage company probably not. KYSIDE38

So, pay mortgage up and call car loan companies and try to deal?

Anyone suggest any good debt consolidation companies??

All I know about car companies is with Ford and GMAC. They have both worked with me in the past. Thats why I think they will work with you. Its worth a shot so you can get mortgage caught up. KYSIDE38

We dealt with AMC in the foreclosure process. You will need to contact them before this goes any further to see if they can add additional to your monthly payments to catch up. They refused a check from us when we first tried to catch up but had no contact from them. It was very disheartening but they will be willing to work with you if you talk to them before this goes any further. Unfortunately, we also had to pay $1000 in attorney fees since this had already started in the foreclosure process. Once we talked to them, we had to send about half of what we were past due and they we paid extra for about nine months. Everything is now caught up but they don't give you a grace period during this time.

Ok......thanks for the advice all. Talked to Service Finance and they are working with me paying payment and a halfs till things are caught up. Citi Financial Auto is working with us as well. Was on hold for AMC for over 30 mins and hung up. Gonna call them back tommorrow.

Glad you were finally able to get at least a couple of these places to work with you in catching things up.