Be careful if you are trying to modify your loan with ASC. They will tell you to skip a payment so your account falls 30 days past. They will deny you and turn around and smack your credit. Mine took a 100 point hit in one day. They refuse to do anything about it because they say "no matter what we told you, your payment was still late". They believe the customer is a piece of ### and that's how they treat you. The little ### on the phone actually argued with me until I hung up on her. Stay away from these people at all costs. Also - stay away from Wells Fargo because it's the same company.