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America's Servicing Company / Collection practices/procedures

1 Des Moines, United States Review updated:
Contact information:
Phone: 515-324-0496

Attempting to catch up on mortgage. Payments fell behind when I lost my job. Made payment 3/24/08. They applied it to my account, the cut a check dated 4/3/08 and sent it back. I then fedexed 2 payments, one on 4/9/08 and one on 4/16/08 totalling over $2, 400.00 Called and called, was told they would note my account. Finally spoke to someone on 4/21 who said I was in foreclosure, they were going to send my 2 checks back, I was on a "short sale" list. Never served with paperwork for foreclosure, never sent certified mail. Am attempting to get mortgage reinstated with some type of repayment plan. Sending them multiple documents twice, calling. Seem to be getting the run around. They are trying to push me towards the short sale. Advised I do not want that - I want my mortgage reinstated. Turning me over to a negotiator but, after doing some research, am finding out that their neogiation process is a scam, they tell you to wait a couple months and they'll work on it. They do nothing, they don't contact you and they foreclose anyway. This is one of many websites I got this information from.
Also, I worked wiith a woman who went through this exact same. They never called her after telling her that he account was with a negotiator and they were going to foreclose.
They will not accept any payments from me and I don't want a short sale or a forecosure - I'm working very hard to catch up. They need to be stopped from stealing people's homes right out from under them. They are crooks.

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  • Jo
      7th of May, 2008
    0 Votes

    Im going through the same thing they have lost 3 payments applied money to another account and the list goes on now im in foreclosure every one ther has a different story hell why not file bankrupt??

  • Re
      17th of Jun, 2008
    0 Votes

    I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

    I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

    Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

    That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness!!! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

    I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

    That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

    I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at 888-453-1518 and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is if not for you, best of luck. In all your endeavors.

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