America's Servicing Company [ASC]

These people have lied, stonewalled, and cheated me as well. I won't go into the details but they refused a payment, and strung me along on the remodification scam in order to collect $15, 000 in interest fees. Join Richatd's class action suit and let's kick their criminal [censor]. Wells Fargo uses them as a front to avoid the law.

I am in Federal court suing ASC for Real Estate fraud.If you have any information regarding ASC's illegal business, contact me at randerint@aol.com
Right now I have proven ASC is an illegal company not registered as a business anywhere.
Richard

fightagainstforeclosure.com
abcnews.com
consumerwarningnetwork.com

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OK...MAKE THEM PRODUCE THE NOTE! This should make them crazy...it may take months. They have to do it.

I am also with ASC and I have also had horrible experiences with them. I am curious if anyone has ever considered a class action lawsuit?

They get away with it because they are not a mortgage company. They are a servicing company for investors. Therefore they don't have to play by the rules that a mortgage company has to. They are arrogant and very rude. They solicit post dated checks past the 5 day mark which is illegal per the FDCPA rules of debt collecting. But as you can see with all the complaints, they can do whatever they like.

ASC is a sad, sick, merceless company. The company is sub ### of Wells Fargo. Like father like son. ASC should bet shutdown. Report them to FTC, FBI, SEC & IRS.

ASC has/is doing so many illigeal things, Congress must invetigate ASC.

I am in my first home and my initial loan was with Equifirst. This company has to be the worst there is. Hurricane Gustav caused me to need a new roof. The check given by the insurance company was in my name and ASC. I sent it in and they sent it back for me to sign first. I was hesitant but I did. When I called they told me to send it in signed. I did. So when I call to see when I would get it, they said I didn't complete the contractors packet. I told them that no one told me about one. So I completed one and sent it back via fax. I faxed around three times and they kept saying that they didn't get it. So I faxed it again and sent a copy certified. When I called back they said that they received it and they would send a request for the check to be cut. A week later no check. I called back and they said they needed me to fax a paper in. So I faxed it today and I called and they said it would be 48 hours before the paperwork would be posted.
This company has to be the worse it shouldn't take all of this to get money that is not theirs. I am going to refinance as soon as I get the money back for my roof and try to find a company that doesn't sell their loans.

The real issue with this - is the fact that they are allowed to do this - if you make an alternate arrangement with a servicer - and you keep it - that agreement should be considered paid as agreed and on time. They should not be allowed to continue to drag your score down while you are doing what you were told. I do know they do it, because it also happened to me. I even completed my catch up early - and that counts for nothing - nothing else I had was late - but my scores are trashed because of the repayment plan. The system is messed up - 5 minutes to ruin your score - 7 years to repair it.

What a bunch of crap. ASC would not ever have offered to refinance your loan. They are a loan servicing company an as such are not in a position to refinance. They are not a bsnk nor a lender and do not fund loans. At best they can offer a loan modification. Also, they would never suggest to stop making payments. The idea of continuing payments is to keep the current delinquency from escalating. Rescission of a loan is probably THE most difficult of proceedures to prove and be successful at. You have to prove fraud at the ORIGINATION level; not on a servicing issue and most important, even if your loan were rescinded, part of that process is that you have to repay thee lender EVERY DIME YOU WERE FUNDED TO PURCHASE THE HOME. Rescisson does not mean y0u are given your property lock stoci and barrel . I seriously doubt that someone who does not make their mortgage payments can afford to repay the lender the full amount of funds borrowed. Rescission basically means that the transaction never happened and both you and the lender are back at the beginning. Under the Fair Credit Reporting Act, a creditor is required to submit accurate activity for any creditor listed. There is no law that states they must report every month, but, it must be accurate. I seriously doubt ASC is not reporting. Should you be successful in whatever daydream you're engaged in, ASC would have to retroactively correct any inforation that inaccurately reflected the loan status.

So. Bottom line. I find nothing in your ranting that holds even a droplet of water. If you want to appear as if y0u know something, at least do your research properly and make your story at least SOUND plausible.

America's Servicing Company (ASC) (Wells Fargo letterhead )said they had a mortgage modification program with a 2-3% interest rate. They told us later on that they had other programs they could switch us to. It's the old classic bait and switch. We were current on our mortgage until ASC began the process. They had us lower the amount we were paying monthly, and sent us a letter stating that we were almost $3, 000 behind on our payments. Their company is set up to minipulate people that call in and ask for help in difficult times. They set up the program as if it's going to help the home owner, when in fact they are looking for ways to get us into a forclosure senario so that they can make money or count us as a loss on their taxes.

Hey,

Wow I just googled ASC for my parents because they are facing foreclore and I am SO much in shock by all these stories. My parents mortgage was $1200 monthly and since the past 4 months the mortgage have been almost $3000. They have called thousands of times since Frebruary 2008 because they knew that interest rate will go up.

They called ASC first and they were told to call Wells Fargo because there was nothing they could do. Then they called Wells Fargo and they said to call back ASC because they were the ones who had the loan. Then they called Fargo again and were told that they could refinance but they have to wait 45 days prior to interest rate changes in July.
They had us going back and forth.
They asked us to wait 45 days prior to changes of rate and send out all the documents Wells Fargo needed several times. (suposedely they never received NOTHING).
Finally, by the time they gave us results to be able to refinance they said there was nothing they could do. And the new rate kicked in.
Even though they asked us to wait 45 days prior, we kept calling and we were always told different stories.

The rate went up the roof and they just denied us any help! (they said they could and would but we had to wait).
KEEP IN MIND my parents would call twice a week since the month of February 2008 to get this resolved. We got different answer each time.

ASC and Wells Fargo kept saying that we had to call next week. EACH TIME. Call us back next week. Call us back next week. Call us back next week.

They send enormous amounts of letters requesting payments and to also call to discuss alternatives plans to help. ?
WE TRIED SINCE FEBRUARY 2008!
We are now October 2008 and this is not resolved.

Wells Fargo says they will foreclosure the house in 3 months.

Woops I was so busy complaining Woops, I was so busy complaining about ASC that I forgot to check the “agree with” box on the previous comment.

My story is identical to yours except I told them to get lost. Here was their solution for me; I was currently in default at a mortgage payment of $5200 per month. I took the income / expense questionnaire with an ASC rep and she responded with a glorious rejoice, “You’re approved". I said perfect what are the new terms? She told me I needed to fund my escrow account with $10, 000 and my new payment would be ...get this...$7, 400 per month. I immediately replied with such a sarcastic tone, "Wow you guys over there at ASC are fabulous can you fax it to me right now so i can sign it and put this to bed." I'm unsure which part bothered me the most, was it the fact that she offered a homeowner currently in default an increase payment of $2, 200 per month and a capital contribution of $10K when obviously i couldn't afford a $5, 200 payment because I was already in default and if I had $10, 000 wouldn’t I be paying my mortgage with it? Or, was it the fact that she truly didn't get the sarcasm and responded like I really wanted to sign.
In short I have acquired in what equates to a 25-30 hour part time job. The horrible part is I’m not getting paid for it, I trying to save my house. I have been battling with ASC for over 1 year. I have documented everything because I want to pursue exactly what you are doing. What state is your attorney located in? I have been slowly putting together everything I need to legally pursue them between my fulltime job and my new part-time job dealing with them. I wish you the best of luck…ASC is absolutely the most unscrupulous and scandalous company I’ve ever dealt with.

In May of 2000 Americas Servicing Company was to have paid off my mortgage loan from Washington Mutual for me. I have just recently learned this past April 2008, through looking at a copy of my credit report, that the Washington Mutual Loan was not paid off as promised by Americas Servicing Company and Washington Mutual now has a court claim against me for the outstanding balance of the loan. I have made an effort to contact Americas Servicing Company at the bogus address listed on my credit report and I was unable to locate the company in all of my searches on the internet.

They did foreclose on our house, and we were completely blindsided by the whole ordeal. We had moved to East Texas, but were still making payments on the home with the mortgage through ASC. They 'lost' checks (Jan, Feb, March) that we never knew about being lost because the funds were withdrawn from our account and we received no collection calls...we kept paying the mortgage as usual. Then whammy...a foreclosure notice in the mail. The shock of our lives. This was the middle of June. Our house was going to be foreclosed on August 5 of '08 if we didn't cough up $14K. We are both educators and have four kids. We don't have that kind of money floating around. They did not care about our bank records. They said we must have sent the checks to the wrong department or the wrong address and someone else must have cashed them. But they were not credited to our account. No sympathy. We lost our house and $40K of equity because they reported 'foreclosure proceedings started' on our credit report, no bank would touch us to help us.

I was also charged a "drive-by " fee. When I questioned what that was, no one would answer. I live in Delaware and I will be contacting AG Monday morning. We have had to deal with ASC for over 4 years and it has been a battle since day one when our mortgage was sold to them. I NEVER would have given them my business. They lose payments, misapproriate funds, charge fees that are not documented. We now record every phone call and tell them we are taping the calls. When they lose a payment I call and tell them we Western Union'd the payment and the day and time. When they say they never received it I play the recording of the CS person who we called to confirm & that they had the payment ON TIME. They usually stop talking and apologize and hang up. The next's month's statement reflects where they have refunded the late charges. Don't let them get away with anything.

I absolutely agree with you. They did the same thing to me. There should be a class action suit against them. I am willing to join it. They should be shut down. Would it help to forward all these complaints to the morgage companies they represent?

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.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

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 [protected] 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 http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

I agree with Irate In Florida…Sam just hasn’t been there, obviously has not had to deal with ASC like most of the rest who have complained here. However, I DO agree with Sam’s basic statements that we all made commitments so we could have a home. What Sam doesn’t understand, since he apparently hasn’t had to deal with these idiots, is they operate on a left-hand/right-hand basis—that is the left hand doesn’t seem to know what the right hand is doing and THIS is why many of us have had so many of the same and similar problems with ASC. Low credit scores non-withstanding, these people DO seem to be out to take advantage of whomever they can and do so in whatever way they can. Here’s our story…

We bought our house in December, 2003. Admittedly, our credit was not quite IN the toilet, but circling the bowl after the events of 9/11 trickled down and caused me to be laid off my job of over 20 years. Our mortgage was sold twice within the first two years, probably because of TWO late payments—late, but only by a couple of weeks, never over the 30 days that gets you in REAL trouble. We ended up on the rolls of ASC and an A.R.M. We chugged away at the payments making them on time with only a couple that actually incurred a late charge over 4 years. Then, we were notified that our payment was going up again, this time with a monthly payment scheduled to be over $1000/month on a 50-something year old house and at a time when the economy was beginning to nose-dive. Our September 2008 monthly statement from ASC included a paragraph toting their “Loan Modification Program” that MAY allow us to get on a fixed rate and invited us to call the toll-free number to get started. We did. We sent in the reams of paperwork confirming income, bills, etc. and waited for over a month. No reply from ASC. Finally, I called and asked what the status was and was told we were being denied since we didn’t seem to be “in trouble” having NOT been over 30 days late since day one. I asked the customer non-service representative if we had been late once or twice would it have made a difference. She told me they only made modifications for those who were “in trouble”. The inference from this is that if we had missed a payment or two, we might be approved for a loan modification—so I asked her this point blank, “If we had missed a payment or two, we may have been approved?” She replied that yes, this was true. So…we “missed” two payments and reapplied for a loan modification. And we were approved! We entered into a forbearance agreement wherein we made three payments at the NEW rate for our FIXED rate loan, and the new modified loan would then go into affect when the fourth payment was due, all past due amounts rolled in and we would happily be on our way with a decent house payment, amen. Only….no one from ASC called when it was time to let us know what happens next. So, I called them. I was told our modification was in “final review” and they were so busy with all the modification requests they were “a little behind”. But don’t worry! We were under a loan modification program and nothing would happen as long as it was still under review and no, you don’t have to make additional payments, foreclosure would not begin unless we were denied the modification. We followed these guidelines, provided by ASC’s representatives, for three more months. I called about every two weeks to find out the status and was told, “it’s still under review”...then we spotted a guy stopped in front of our house taking pictures of it. When asked, he stated he had been contracted by ASC to take pictures prior to foreclosure proceedings… Numerous calls to ASC resulted in the same old song, “No, foreclosure will not take place unless you are denied the modification” and we had faith in that statement until we received a letter from their attorneys stating that foreclosure had begun—all the while being continuously reassured by ASC’s reps that foreclosure would NOT start and oh…the modification was still under review. So…we filed for Chapter 13 (bankruptcy) protection. Now, ASC has sent us TWO more forbearance agreements, both with payments HIGHER than the original agreement and apparently won’t take NO for an answer. The “original” agreement seems to have been a figment of our imagination (although I DO have a copy of it). Their claim on our bankruptcy is highly inflated and they just keep saying it’s right…even though their OWN records indicate they never credited us with at least one of the three payments made in early 2009 under the original agreement. We’re still fighting them…one day at a time. Does anyone know a good attorney that will fight “the good fight” against the kind of unfair trade practices these people perpetuate? I agree with all on here who say these imbeciles don’t deserve the name “America” in their title. Can you say, “Class Action Suit”?

This message is for Sam. I just want to remind you that what comes around goes around. And I hope one day you lose your job or have your hours cut so you can see what others have gone through. So go ahead and keep judging people because one day you will be judged too.

I am dealing with ASC with a loan that was sold to them a year after I closed. My credit score is above 700 and I have never made a late payment. They tried that escrow crap with me and the taxes. Fortunately, I pay once a year and had my receipt to send to them. It took them a long time to respond but it ended up that they saw it my way. I believe they do it to make money. They sent me a letter stating they received info that my property taxes were past due. If they had taken the time to look on the county page or contact the county they would have known this to be a lie. I know they made this up.

While I agree that when you take out a loan, you have made a promise to pay. I also understand that it is not the servicers obligation to help me when I have come into a financial hardship. What I do take issue with is when a person has had an illness and a divorce and calls the company in good faith to attempt to see what can be done so that they can fulful their obligation to the mortgager, they are treated and spoken to as if they are somehow a 2nd class citizen. I have had positions in collections for years and there is a way to collect a debt without having to speak to a person as if they were trash. Yes, it is ultimately the individuals obligation to pay a debt, but we are all human and have situations happen that we can not avoid. You speak as if having a "sub prime" credit rating is who you are as a person. The only reason for these "ratings" is for creditors to take advantage of people who have had difficulties by charging them more. Maybe if the opposite happened and people who actually needed the better interest rates were given them, there wouldn't be so many people in this situation. My husband is a police officer and I work in a school system. My husband risks his life everyday for people, but his paycheck doesn't reflect the sacrifice he and others make. they have cut all overtime pay and there will be no raises. so no, we don't go on fancy vacations and my kids don't have the best of everything. we are honest, hardworking people who have been put in a situation where our mortgage literally doubled and our income went down. and yes, we are working "extra" jobs to help make ends meet. So don't just assume because someone has a "subprime" loan that we are deadbeat, trash who just want someone else to foot the bill for us. We mostly are honest, hardworking individuals who want to do the right thing, but with a company such as ASC, you don't have a chance. I recently decided to let them take my house and suddenly, after MONTHS of trying to get them to work with me, out of the blue, they sent me a modification agreement which was still ridiculously high. Had they allowed me to do this 6 months ago, I'd still be able to be in my house and they wouldn't be stuck with a house worth half of what the mortgage is worth.

Sam, you should be more familiar with what you are talking about. Read more posts from others about there credit. I have ASC and have never been late on a payment of any kind, my mortgage was sold a few months after closing. My credit and my wife's is over 700 so no problem there. I don't have an ARM, just a 30 year fixed. I have had the same problem with my escrow account and never put things together until now and will be looking at the last two years worth of statements comparing my taxes and what I put in. It sounds like I may have been a victim on that as well.

Also, Sam, there are two keys on the keyboard, one on either side called the shift key. Make a note of it and check them out. Your English teachers would be much happier if you did.

Thanks.

You sir are one pitiful pathetic piece of S'''t. ASC is not even a real company. And you think that putting someone on escrow when they've already made their insurance and tax payment arrangements is ethical...this is the kind of bulls''t this company is known for...it's not just foreclosures...it's just one headache after another. And you think that people with a certain level of credit score deserve to be treated like that. You sir know very little about REAL economics/real life situations. I don't see anywhere close in the number of complaints with any other mortgager. There's even a legal firm that specializes in dealing with ASC...that should tell you something.

I agree with you totally. When rates began to change on arm loans, it was all ASC's fault! The people didn't read their notes that said when the rates would change and how the change would be figured, so of course in their minds, ASC was wrong to change the rates. I think it is a sad state when people are no longer responsible for what they agreed to. They just complain and blame instead of doing what they agreed to and paying their loans.

Oh my god. You are stupid. If u r in the mortgage business no wonder why the industry is in such a crisis. It is because of idiots like you that think u know everything. There is no such thing as a loan modification refinance. A loan mod and a refi a 2 different things. The reason why they added seven grand to ur balance was because u were delinquent. I'm sure you got the billing statements asking for the pmts but you just ignored those didn't u.

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.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

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 [protected] 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 http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

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.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

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 [protected] 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 http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

This is exactly the experience I have had, except I do not think ASC is guilty of bad management, I think they are doing their "we don't know what we're doing" act to frustrate and vexate people into giving up !

It's not an accident. It's a deliberate FRAUD in my book. One person tells you one thing, another something different, and NOTHINGS in writing. Well my lawsuit is in writing...Heinrich vs. America's Servicing Company, Wells Fargo et. al., and a number of other related institutions, (Broward Circuit Court, Ft Lauderdale Florida) in which I have alleged they are engaging in racketeering and theft by endeavor..and suing for 17.1 million for the damage they have done to me.

I would LOVE to hear from past or even present employees, as well as the rest of you that have run into one of their scams.

I got caught in their " sure we'll switch your ARM to a fixed" routine where they told me I had to STOP MAKING PAYMENTS UNTIL THEY SET MY NEW FIRST PAYMENT on my 6.200% fixed rate loan, which never got done, then they filed a bogus foreclosure against me and UNILATERALLY CHANGED THE TERMS OF MY EXISTING LOAN, eliminating my grace period and placing two huge balloon payments on my loan for July 2008 and September 2008.

Well, guess what, they voided my loan and made it unenforceable by what they did, NOW I'm trying to find who actually OWNS my loan...so far four different competing companies have claimed ownership, so one of my Causes of Action is to Quiet Title...it appears the company that owns my loan is bankrupt !

Anyway, my case goes like this...my home is worth about $220, 000 and I owe about $85, 000. They are trying to foreclose in the name of a company that has NO ownership rights in my loan and post a bond to indemnify whoever else makes claim for the money later, so this "non-party" gets my property FREE and CLEAR, and the real owner of the loan collects their $85, 000 from the surety company...I meanwhile am out on the street owing them the $85, 000 in the form of a "deficiency judgment".

Why would they do this ?..massive losses make them desperate to raise money any way they can, even by sophisticated scams like the one they tried to pull on me...except I'm in the industry too, and know where the smoking guns are.

While I have to prove all this in court, my case could be a basis for you to take them to task for their Bad Faith games, and hopefully wind up with criminal prosecutions...because I believe they are committing criminal acts of fraud and theft.

I believe a LOT of people may be entitled to have their foreclosures stopped in its tracks, or even have their foreclosed property returned to them and collect other damages as well. YOU WILL NOT ACCOMPLISH THIS BY BEING PASSIVE - which they count on !

I need your help, and am willing to be what ever help I can be to you as well...feel free to call me toll free [protected].

Tom Heinrich

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.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

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 [protected] 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 http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

I AGREE TOTALLY, IHAD TO RETAIN A REAL ESTATE ATTORNEY TO HANDLE ASC, THE CUSTOMER SERVICE DEPARTMENT IS UNORGANIZED/UNPROFESSIONAL WAS UNABLE TO ANSWER QUESTIONS PERTAINING TO MY PHONE CALL. WE NEED TO GET A CLASS ACTION SUIT GOING ON THEM.

Has anyone considered class action against ASC. Are there 5 others in Missouri that have suffered from the actions and activities of ASC. I am not an attorney, but suffered to and feel that I have been scammed for legal and late fees. I can think of no other way, than class action to bring attention to this problem.
Victoria

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 [protected] 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 http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

Same with me, we need to file a class action suit against these ###S!

I'm considering re-fi with TopDot mortgage. I'm having second thoughts about working with this company and after reading your commments there's proof that my ill feelings could have some merit. Please email your feelings about the matter. Thanks.

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 [protected] 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 http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

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?

Bought my house in 2005, lost my job in 2007, I too thought I was getting a fixed rate. got an arm. Tried to refinance, short sell, anything. No one would work with me. Lost my home in a matter of a few months. Tried to talk to the realty company that sold me the house; they would not even talk to me. I wish I had known what to do back then, but I do wish all of you success. Wrong place at wrong time.

Alice

I too have had a host of problems with them which has now led to me potentially losing my home. Too much to list here but I will definately send details. count me in

I was given a loan modification by asc made 11 payments and was still foreclosed because I was told obama's order expired! altisource promised $13, 500 to move early which we did and never received that either. my husband lost his job so I used all my retirement money to make the doubled mortgage payments when asc bought my loan from gmac. so I was screwed by asc, altisource, then ocwen which bought out gmac and asc. I filed class action lawsuits against all of them but to date have received nothing. all of this has made my illnesses worse, lost my house and all my retirement can someone help?

Crhirth5110@att.net

I had similar issues and due to their inability to work with me, my credit has been severely affected.

I would like to be in on this - unfortunately what they did to me isn't in the books as it was on the phone, "losing" paperwork and repeatedly asking for the same stuff over and over again when trying to get a modification after my husband left and the house was signed over to me, we could well afford it but since I was a disabled female, they denied, stalled and continued this through 2 lawyers trying I wish there was something I could do
Lynda

It is so sad to see that america's servicing is still screwing people. they did the same thing back to us in [protected]. kept jacking our interest up, would offer a modification but would make payments ridiculously high then would bill us even higher. they made it virtually impossible for us to catch up. it got to the point were we ended up agreeing to give up our home for short sale... which is basically foreclosure. we lost thousands of dollars to them we didn't owe in a period of about 7-8 months, then lost our home.

I have been searching and waiting for someone to start a class action lawsuit but no luck so far.

Count me in . ASC oh yeah
email:aelhadir@hotmail.com

i am in i also have a horror story

In 2007 I was on the brink of forclosure because of this same thing. they raised my payment by 25% and it caused me to become behind on payments. t wasn't until I read all these posts that I felt like the company did this intentionally. it turned into to a financial nightmare for me for months. luckily I was fortunate enough to climb my way out just in time. the financial stress however ripped my marriage apart. two months later I was divorced and I signed a quit claim over to my ex wife. now 4 1/2 years later I wake up to find out my credit score just tanked after years of rebuilding. my name wasn't taken off of the mortgage and my ex is 30 days late on the payment. it's funny because on the credit file it shows asc as the creditor but the negative report is from wells fargo? I called asc first and they have no record of my account on file yet they have reported on my credit for like 6 years. now i'm being hounded for $1000 for something I had no knowledge I was even responsible for anymore. however they did say if I pay the $1000 they will remove the negative from my report and get my name off the loan. I don't know what legal grounds I have but I would be happy to help if I can.

Has anything been done concerning a class action suit? I am in and need help fast! they are beginning the proceedings on me. I live in texas. rl4191@yahoo.com

We fell behind on our mortgage due to loss of job. But once I got back to work, we called ASC and they put us on a payment plan that we have followed to the letter. We just received a letter stating that we now owe $13,410.98 which is several thousand dollars than before we started the payment plan.

We were told that if we followed the payment plan we would be up to date in Febuary. This is unfair!

I have repeatedly tried to contact this company to inform them of my mortgage payment status. When I call the number automatically transfers me, and then says it is "unable to transfer" then hangs up. I need to clear up my mortgage payments immediately to prevent foreclosure on my house, and have been unable to speak with anyone for WEEKS! This is in my opinion one of the reasons so many people have been put into this position... inadequate banks!

I became behind on payments because of marriage break up and trying to support five children on less than a grand a month. I got served a few days before Christmas as if the holidays already didn't suck. I sold my car but couldn't get the full amount up to reinstate the loan. Then a young girl in the neighbor hood lost her house so I finally got the courage up to call them again. The were nice, I faxed them a letter explaining the hardships that I had been facing and filled out the work out package. While trying every avenue in the state of Florida for help and believe me they don't offer any. I was flipping out thinking the kids and I would be out on the street. Then a friend of my mother's who is a millionaire came forward and offered me ten thousand to catch it up. I spoke to someone and sent them the cashiers check and was told to make the first payment in August. Well yesterday nearly three months later, they sent the check back. Mind you the lawyers office already dismissed the court action. I have no clue what to do and I don't want to lose my kids. If anyone has a suggestion please email me. I can't even find a number to reach someone there to discuss this. A Realtor told me that they may want to refinance the loan to a lower payment and thats why they sent that back. I have rec'd no information only the check in an unmarked envelope.

Some of you may have seen me on msg boards like this, anyway I am going to tell you a little more about my situation with the great ASC... My house was going into foreclosure, like everyone elses, long story how we got there its was 50/50 fault, so we filed for chapter 13 and got back on track with our motgage payments, then Febuary 2008 our interest rate went up 1.5 % ($311) may not sound like a lot but it was when they never added tax and insurance in... Well we asked if the would do a modification on the loan in I thought March, they say May, either way we didnt get a letter from them till July 19th, Letter was dated July 11th . The Auction on my house was today July 22 @ 1pm So I called first thing monday am and did exactly what the letter said (in part) "...or to file for an extention you have to fax a hardship letter and finacial statement to us with in 10 days..." OKAY so I did. I faxed it over monday AM. I called about 8pm that night and they said they received it and to call in the AM (tues) to find out if the extention went thought. SO I DID, they bounced me around only to tell me nothing had happened as of yet to call about noon remind you the auction is suppose to take place at 1pm.. SO I called yet again at 12:30 to get bounced around a little more and I got SAMANTHA again (who I originally talked to on monday am) and she was such a ***, she said nothing was signed, which im sorry but there was this glimmer of hope and so little time to get everything faxed I did forget to sign it... She and the other people I talked to said that it usually takes 48-72 hrs for the extention... GRRR SO my *** is WHY DID THEY EVEN SEND ME THE LETTER! and tell me I had 10 days! My house is gone... and I except that.. but it infuriates me that they would even send that KNOWING that it takes 2-3 days for an extention to go though.. I know alot of you out there know what I am going though and by the looks of it there are going to be a lot more! I should add that I didnt get the letter untill the 19th becasue of the foreclosure we were having our mail held at the post office because we were moving... GOOD LUCK TO ALL THAT HAVE TO DEAL WITH THESE SERVICING COMPANYS!

After reading all these complaints. I feel for all these people. I swear I got a headache just reading about this company. I am not a victim but unfortunately my poor dad, his loan is manage by this evil company. I don't understand why the government is not doing nothing about it. If supposedly the SEC had investigated New Century and Ameriquest for fraud. Is SEC also looking into this company as well? Or are they doing everything according to procedures and regulations? I wish people do a boycott in not purchasing homes. I swear here in Southern Orange County the prices are ridiculous and to top it of you have to deal with companies like ASC. I think this is a serious issue that needs to be address to someone.

I cannot believe the complaints on this company. What is the point of getting a loan with a certain mortgage company when later on its going to end up with companies like ASC. If it wasn't for the consumers this company ASC will not be in business. Just like we are bring them business we can also put them out of business.

God bless and hopefully things get better for homeowners. :)

Wow! Didn’t know there were that many out there having the same issue with ASC. We, just like the rest of you, started our loan modification well in advance so that when it came time our modification request should have been handled. Of course when we started calling about the progress we were informed that all we sent in was out dated, since they sat on it for 3 months.

We went ahead and sent everything in again and in the meantime we were told NOT to make a payment if we couldn't make the new payment. I was told that late charges would not incur nor would it be reported to the credit bureaus. I have since then re-faxed our information 2 more times and was told they were expediting our request and would soon be assigned to someone. Calling again and again... We were also told to make some kind of payment and we were never going to be assigned to anyone.

Well to no avail I still tried one more time after waiting again for the time line to pass only to find out that our file was closed. I believe that if I could walk into the office my concern and want to have a house over our 2 and 4 year old children might actually sink into someone’s brain.

We have not had a single mark, late, or default on our loan and apparently means nothing. Maybe we should all get together for a class action suit!

When my husband and I bought the house, we loved our mortgage company. But like always it was sold to these crooked people. A year later my husband was injured at work. We could do it on my income alone. We filed bankruptcy and they are making us pay for there attorney fees and late fees and other fees. Did I also mention that we have not grace period now either. IF my payments are not there on the 1st of each month they will foreclose on our house. What a bunch of ingrates. It has been the worst experience ever. I wished that I still rented!

Because of my move from the state of Washington to Arizona, I never received the property taxes on a rental in Texas. When I realized my mistake, I paid the taxes last May. Not knowing the taxes were split into county and school, I paid the county taxes and sent an official copy of payment from Bexar County to ASC, after speaking with a representative of ASC. Within two weeks, I received a notice that they had not heard from me and would be opening a new escrow account on my behalf if they didn't hear from me in a certain length of time. Once again, I called ASC, told them I had sent them a letter along with an official copy of payment. They suggested I fax them a copy of payment, gave me the correct fax number, etc. I had Bexar County fax them a copy of my payment, all to no avail. A week later I received a letter saying a new escrow account had been set up since I was delinquent in paying my property taxes. I finally understood that the county and school taxes were split. I called the school district, paid the taxes and had the school district return ASC's money to them. Now, I am being sent letters from ASC stating that they had acted on my behalf and cannot close the escrow account. I am ready to take legal action. I have paid my taxes in full. I never gave them my permission to open another account on my "behalf." I have called them, written to them, faxed them information and still I feel like I am talking to a brick wall! What else can I do? Lili.

Re: Americas Servicing Company

This is to all you folks who really don't seem to know a gosh darn thing about mortgages and I am here to enlighten your lives with a bit of information, especially if you are all over the internet trashing america's servicing company. Lets start with the facts first.

#1 when you sign documents at closing, you need to be reading what you sign and if you don't understand it, ask questions. After all isn't that what your forking out the big bucks for the attorney and the title company for?

#2 Just because you have an escrow account , doesn't make you exempt from having the responsibility to provide proof of your insurance if your loan is transferred. Wake up folks, its still your loan and your insurance. Lets grow up and be responsible.

#3 For all the complainers who say I didn't ask for my loan to be transferred to you people, but did you ask at closing if your loan would or could be transferred or read the documents that said indeed you will?

#4 Be educated on what a SERVICING company actually is. A servicing company is a "servicing "company ,which means ,they collect money. The fees that you pay to make phone and internet payments are called JUST IN TIME payments, it is a convenience to be able to pay last minute. How many places do you know where you can call and make a payment on something the very last day for free? I don't know of any, all credit card places are the same. People act like they are forced to pay the fees to make the payment. HELLO, your mortgages are due by the 1st of every month by the terms of your note. You want to make your payment for free then mail the darn thing or get on auto withdrawal. What it really boils down to , is that your mad because you really cant afford the mortgages that you have. Its called living above your means, getting over your head. Its all part of the greed in the world that gets us all in trouble now isn't it. Servicing companies DO NOT make the money on the interest of your loan, that money goes to the investors who gave you the loan to begin with, so when you get harassing calls to collect your payments, you are flaking out on the wrong people , you need to call the investors and whine to them because the whole entire and only reason lenders have servicing companies , is to have them do the dirty work and COLLECT MONEY, when that servicing company fails to collect money seen fit by investors, guess what, thats when your loan is getting moved again. Just imagine how beautiful it would be if everyone paid on time and was grown up and responsible, then maybe your loans would sit still along longer huh.

# 5 Missing payment complaints. I love this one. IF in the event a payment was cashed and didn't post to your loan, then you have a legit complaint. But that can be traced and will be located and applied. But for those of you who sent payments , claimed it was lost, but wasn't cashed, then fail to make up the payment in 2 more months , then get reported... then who's fault is that really? You don't keep up with your checking accounts and balances to notice the money never was withdrawn? You are complaining because you had collection calls and wonder why they are calling then claim you never knew the payment didn't post. Come on people, no one is buying that story. I would know quite fast that the payment was not taken from my bank account, because i don't have millions of dollars hanging around in it. Then there was talk of how ASC would hold on to payments and purposely make them late. That is ridiculous because the more you call to complain about something to a company cost money, i don't see where that would make sense. Payments go through lock boxes and you have 16 days from the 1st to the 16th to get a payment in without a late fee. So when you are advised processing can take 7-10 days and you have 16 , then lie and say you mailed it real early and the envelope scan from the post office shows you mailed it on the 10th, how do you expect the payment to process in time? The reason the processing takes 7-10 days is because try and imagine a lock box who has several clients they process mail for on a daily basis, and imagine on a daily basis 10.000 payments come through. Do you think you could process that mail all in one day? If so, then you need to be in the lock box business

# 6 When you call the servicing company that handles your loan and curse and act like its the representatives fault for what is happening, and the first thing the rep thinks is that you need bipolar meeds, try and talk it out with them in a civil manner. you are much more likely to get help or an explanation when you are nice , after all they are just there trying to a make a paycheck like the rest of us and most of them are very nice and I can tell you that I wouldn't want to take 100 calls a day of insane people.

#7 You sign into a pre-payment penalty ,regardless of what someone told you at origination or lied to you, you signed it your stuck with it. You would have read the paper and signed your name to it. That part still is amazing to me. A lot of people don't even know what kind of loan they have, what an escrow even is , or their interest rate. Are you kidding me? Maybe these are the same people who are filing complaints , because they definitely seem intelligent enough to understand their insurance and taxes and be responsible with their payments... don't you?

# For those of you who truly had real problems that were totally no fault of your own, that does suck but so there for is life. You have to remember there will always be victims in large businesses due to the amount of loans they actually have . Think about a million loans to take care of. The variable of life is almost certain there will be problems and the problem ratio is actually very low considering how many loans are serviced.

It really comes down to educating yourself, do your research online first before you jump into loans and homes. Don't go over your head. Live modestly. Read your papers . Don't be like little kids at Christmas, who just cant wait until morning to tear open the gifts. Be adults, be responsible for yourselves, your bank accounts, your mail, Its time to grow up and stop blaming others for your slacking. Is your cable, gambling, smoking, drinking, car payments more important than where you live? Where your children live?

Hi, We have fallen behind in our mortgage payments for a couple of months due to illness. They sent us a financial info form that we filled out and have been trying to fax in to them for several days. None of the fax numbers seem to be any good. Please help us smb. We have the supporting docs to our situation and would like to do a loan modification. We go into foreclosure after 8/15. c775a.

Advise smb!