I was laid off on 12/30/08. I called ASC to let them know that I would be receiving regular paychecks through the end of Feb. and apply for a loan modification, knowing money was about to get very tight. I was told that I was ineligible to apply because I was not behind on my mortgage. When I asked "Isn't that the point - to NOT get behind?" I was told that there was no reason to lower my mortgage if I could currently make the payments and to call back when I couldn't. I called back in Feb. and was told that even though my... read full review »