LOSS OF RENTAL & PROMOTIONAL INCOME: Regarding payment status, I contacted my creditors, including ASC, in July of 2008 before I missed any payments because my tenants at both the primary and investment properties were withholding rent and moved owing money. Because I was not behind yet in my payments, both ASC and SPS advised they could not help me. Then when the winter set in, oil, transportation, operations and maintenance expenses, and continued loss of income made it impossible for me to satisfy my mortgage obligations. My salary... read full review »