In November, I was late with a payment. We had a really rough month in October, and I was unable to make the insurance payment for the home, as well. Of course, AHMSI paid the insurance, but refused to tack on an additional hundred dollars or so to my monthly payment, as Option One had done in a prior year. Since then, I have accrued late fees, and late fees on my late fees. I have paid over 7000.00 since the end of October, only to be told by them I still owe nearly 4000.00. When we paid them a lump sum of 3000.00 in an attempt to catch up in... read full review »