ASC / Wells Fargo are Skandalis, predatory lenders that should be stopped immediately. I have NEVER been behind on my mortgage. Not even once. I am simply trying to sell my house and get out of a home loan that is ballooning up to 13.5%. How in the hell is this stuff legal? For those of you that think I got myself into this, you are crazy. It is too easy to judge people when you are not in the situation yourself. People I trusted (close friends and family members) were working with me to help me purchase my first home. I was told that if I signed the contract it would be easy to re-finance my loan after 2 years and I would have no problem keeping my interest rate low. I trusted these people and signed the contract. Now My house is worth only half the amount I paid for it and I can not get it re-financed without agreeing to pay an additional $10, 000 added to the top of my original loan. ASC wants me to submit 30 pages of paperwork (my short-sale application) every 30 days. Are they kidding me? I have a life. All I want is to get out of my house and save my good credit. They are leaving me no choice but to just walk out and foreclose even though I have good credit and I have never been late on a payment in 3 years. I have been getting the run around for over a year now. I just want out of my house! Any suggestions? This has to be illegal. It is like THEY WANT US TO GO INTO FORCLOSURE!