I am by no means saying that falling behind is not my fault or that I couldn't have done better, but I have a severly asthmatic child at home who had pneumonia 4/5 times and had to be off work a week at a time. I went and asked for help because I was way behind on the bills. I sent the modification packet in June '10 and preceeded to resend in whatever they asked for. At the end of July '10 I contacted AHMSI to see what was going on and was told that my packet was completed at the end beginning of July and that I should be... read full review »