I have been trying for a loan mod. for 8 months. Still have nothing to show for it. They have lost my paperwork found my paperwork. Taken 2 unauthorized check drafts . Denied my loan mod. claiming i have a 1000 doller surplus each month. My financial worksheet clearly shows a deficit. They have closed my request, refused payments because im in middle of modification. Reopened it with a brand new negotciater this is my second handler. This is his name, who im not allowed to call "Xin-Hua-Quian" that sounds real promising huh? Please Please im asking all of u with complaints to call the FTC. 1- 877- 382- 4357 . IF ENOUGH of us who have been wronged, which looks to be a boatload. The FTC lawyers will file a class action lawsuit. FTC is the federal trade commission. I have paid these scumbags over 70, 000 for the last 4 years of paying my ridiculous ARM. Now they wont let me out. For things like missing signature or date on bottom of 1 document . This so called company is flat out ruining lives. They lie, they cheat, they intimidate, they steal. Call the FTC 1- 877- 382- 4357 and your state represenative lets stop them together. In the meantime dont give up, stay on them, make them (ASC) prove to you who really carries your note and who the investor really is. Nickel 32