Asc (America's Servicing company) bought our two home loans in 2006.We have had non stop trouble with them.We are under water in our home, so we owe way more on our home than its worth and our monthly mortgage payment is close to three thousand dollars a month, and we can not afford it.My husband works six days a week split shifts and I am on Social Security.I applied for a modification five months ago and have been current on all my payments.I called in every month to see the status of my modification and the rep would always tell me something different.They said oh wait 30 days, so i would wait then they say 60 then 90.Well time went by and it took them 5 months to tel us that we did not qualify because our bills ar to high, They said for them to be able to help us we would have to be able to afford all our bills and and our mortgage payment.That dos not mak no since what so ever!!! This company is truly terrible!!! All I can do is pray and take one day at a time.