aug. 2010 had a loss of income into household, called ahms.to ask about loan mod. they said try to help and they would send out paperwork. filled out paperwork on time and faxed, first two i was told it wasn't signed or date was wrong. called and talked to carlos and finally and hopfully got it right. In about a week iget letter saying irs. showing that taxes on form 1098 were not right. paperwork know showed deferred interest 16, 000 over what was filed 2009 taxes. than we started all over again they needed another 4506-t form. two more trys something was wrong, nowend of nov. letter saying lack of paperwork they can't help with loan modification! never did want to help now 2 months behind and their starting the threats