That's a good description of the condition.  The closest I was able to get to GMAC was an accidental after hours connection to a lawyer in their foreclosures department.  The man understood the problem but wasn't really interested in helping.

Seems to be that large companies have finally found a way to handle something that they were never really interested in.  Of course maybe that's why some, like GM, have gone broke.

I can swear there ain't no heaven but I pray there ain't no hell. _ Blood Sweat & Tears