My husband and I have been dealing with this company for nearly 2 years. December of 2008 I spoke with a representitive of ASC on the telephone. We were less that one month behind in our mortgage payment due to a small business which was not doing well. The lady suggested that we do a loan modification. She asked me some questions and explained the program and it seemed reasonable at the time. By the time we ended we were accepted and I was told not to make our Dec. 08 payment and in Jan., Feb., March, we were to make a payment slightly higher... read full review »