ASC is NOT able to HELP with the Loan Modifications. I had been paying on time at all times. I'm struggling due to loss of income; My shortage on budget is only around $300. oo a month. After more than a year dealing with this stressfull situation, they sent me a letter 10/2009 saying that loan was NOT approved, and that I have two choices: "Short Sale" or "Deed in Lieu". When I got the letter, I said to myself "WHATTTTT"???? What's going on with this company (WELLS FARGO). Government need to INVESTIGATE all this companies regarding their guidelines and procedures.