After too Many phone calls to them (AHMSI), I reported them to the 'Federal Trade Comission' 1-866-795-6529. My home mortgage loan was bought by them (AHMSI), if it wasn't for Citi Resdiental Lending sending me a letter stating AHMSI was servicing my mortgage now, new account #, phone & address, I would not have a clue who they are. I'm in the process of refinancing, had a closing last Feb 09, fell thru so I called AHMSI to make my first payment, due to time line I called & got a stupid woman from India, couldn't hardly understand her (or speak 'ENGLISH'), told her I need a physical address to wire money transfer to pay my mortgage, she didn't understand, kept on saying just mail payment, after 5 times, I requested to speak to a supervisor, she got back on the phone (No Supervisor) says we don't take money transfers-wire money. Furious I mailed my check. Gets better, I called at least 5 times, I'm going on my 4th payment with them & they (AHMSI) still HAS NOT sent me a 'STATEMENT'. Once I actually spoke to an American woman in Texas (I'm Assuming) who spoke good english, asked her to mail me a statement!!!she verified address, ect and made excuses that it was the US Mail. I told her I receive approx. 20 bills each month & get everyone and on time!!! I also asked her about her company 'farming out the calls to INDIA, she said they have employees there.