I missed one payment because my payments went from 1575.00 per month to 2000.00 per month (single income, divorced mother). I ended up getting the money and was going to send it in and I received a letter stating my acct . was turned over to the trustee for nonpayment and the foreclosure process had started. Since that letter, they stopped calling me and quit sending me statements. I now owe the trustee 12,000.00 in order to keep my house!! My original loan had been sold to ASC.