My fiance and I have been in our home since mid 2006. We started out with Option One, which is now AHMSI, and, like many others, have been trying to get help after pay cuts and increasing bills. We called them repeatedly, got names and phone numbers, faxed all the information requested, and they wouldn't help. Now we have fallen behind. This is what we were trying to avoid. We're doing our best to find another company that will help us, but it's hard. We have two notes each month, and are at 9.5% interest. If people out there are considering this company, DON'T!! They wouldn't help us after we told them we would fall behind, we asked for help, and they laughed in our face, now they call all the time, and my fiance tells them we tried to get help before this happened.