ASc a part of wells fargo bank has steadly refused our request for loan modification, this company is not here to help but destroy an American dream.

We submitted an email earlier this month, I believe, regarding the handling of our mortgage. We had tried for almost 8 months to obtain a loan modification with ASC to no avail. We engaged a loan modification company and 2.5 months later we have our loan modification. Had it not been for this company, we would have lost our home. If you are trying to obtain a loan modification from ASC, I would HIGHLY recommend this company. There were no upfront costs and they were professional and honest. Quite a change from dealing with ASC directly. If you are interested in a loan modification through ASC, or any mortgage company, I would be delighted to share this company's information with you. Our new payment is almost half of what it was, which is an amount we can afford in order to stay in our home. Please email me at [email protected] and I will forward the information to you. For those who are going through the loan modification process on your own with ASC, good luck and God bless.

America's Servicing Company (ASC) is servicing our first mortgage loan for Wells Fargo. They are by far the worst organization I have ever had the displeasure of working with. They are incompetent, disorganized and out of touch with reality. They have no ability to work with customers. They could not help us with a modification to our loan, even after 7 attempts. They made mistake after mistake and there is no consistency within the organization. They have several different departments within the company which no one at ASC seems to understand. Customers have almost zero chance of speaking with someone who could help with the first phone call and each time I have called, I have been directed and redirected to different departments, personnel and phone numbers. I cannot count the number of times I was given wrong phone numbers, hung up on, told incorrect company policy or incorrect information. It is almost as if this is done purposely to keep from having to make decisions about modifying loans. I agree with others who have suggested that this company should be investigated as deliberately and fraudulenty keeping consumers from working out loan solutions. The worst part of this is that I had no choice as the loan was sold to Wells Fargo and serviced by ASC without my even knowing it, let alone playing a part in the decision. Where is our choice for opting out with these transactions? Now we are stuck, days away from foreclosure and no place to turn but attorneys. We will fight, spending money better spent on house payments, simply because of the incompetence of companies like these. Many people across the country are of the opinion that people who invested in loans they could not afford should just be allowed to fail. What they misunderstand is that there are many more of us in a group that CAN afford the price of the home's we have purchased, but cannot afford the adjustable rate mortgage's that we were pushed into and never intended on keeping had the housing bubble not burst. We CAN keep our home if the banks would offer a solution- pretty simple...fix the rate for good at a low, affordable level. Not hard. Not rocket science. However, we CANNOT GET TO A DECISION MAKER! Things across the country would be so much better if these companies simply understood this basic principle. Fix the ARM's and fix the economy. Wake up, banks and work with your customer's who can afford a modification. Please offer workable modifications and everyone benefits. Continue to provide poor or no service, and you will lose more and more money from unnecessary foreclosure properites and slow the economic recovery.

America's Servicing Company and US Bank Assoc. are the selle(s) of a property we are trying to purchaase in Victorville, CA. The escrow was supposed to close on the 3rd of September 2009. It is now the 10th of September and it still hasn't closed due the seller not performing their obligation. We've done everything we were supposed to do prior to the closing date and the seller keeps stalling with one excuse after another - the last one (as of September 9. 2009) being they have to re-draw the deed. When we began this contract, we were told that if we went over the closing date, we would be liable to pay $50/per day. We were ready to close the 27th of August, but the Escrow officer didn't bave the documents ready and didn't get them to us until September 2nd, we signed them on September 2nd and they were overnighted and were delivered to the Escrow Office at 9:56 AM, September 3rd. Our locked in loan rate expired on September 6. At this point, the seller has breached our contract and we are now looking into suing the seller and their representatives for non-performance.

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Add your voice to mine so we can present our stories together to President Obama. FHA and others need to change some of the qualifying parameters (31% of gross to be net) and make the process much simpler for homeowners that are in distress. My mortgage payment is 31% of my gross but 55% of my net. I can only spend my net. What are they thinking?

I am collecting these letters to present to Obama to make a change to this ridiculous and failed program. He loves grassroots efforts and I am sure he will listen if have strength in numbers.

Your stories kept me from making grave mistakes with ASC (my mortgage company). One loan modification company told me to stop making my payments and give them $4500 instead. If I had done that I think I would have been on the street already. I don't think they can foreclose legally if I keep making my payments on time, right?

Bless you all for your help and your voice. I know this is painful but if we don't help each other no one else obviously will.