You all have heard horror reports. I will not even explain i got screwed three times. Beware of the representative telling you someone will cal to do a mortgage modification. When they call you think they are with the bank then they charge you $600 non-refundable upfront fee. They are a third party. I understand it is illegal to charge a up front fee but I have not verified that the Florida statue is a little vague. When I spoke with ASC the following week about a payment they claim they did not get even though Fedex had a signature and... read full review »