American Servicing Company sets you up for failure! I never have been late in the past or missed a morgage payment in the past 6 years total. I had this house with the ex husband for 4 years and received it in my divorce agreement, with all it's refinances, and paying out the ex 30k total: (I refinanced to ASC for the past 2 years now. They didn't include taxes and insurance in my $2655. Monthly payment. There is a pre-pay penalty if I sell or refinance before the 2 years is up, of over $15,000. Now I have completed my 2 years end of Aug. and by Oct. My payment will go up to $3400.!! I had a hard time when my taxes and insurance came up separately, due all at once. Paying this put me behind by 2 months... Now my credit is screwed and no one will refinance me!
I can't afford this $3400. Payment without taxes and insurance or at all! My children are sad they will lose their home now. After co-owning and as Vice President of a music store with my ex, custody of my kids and this house are the only thing I tried to get from the divorce of my ex. Who was beginning to be verbally and physically abusive.
This house I tried to keep for the kids! I have had my house on the market now for 6 months and lowered the price more than $50,000. If it doesn't sell this month I willl be faced with horrible credit as I will get further behind, just when I had caught up! Or I will be faced with forclosure and/or bankrupcy!
And who really cares! Not this company!!! And so many companies like this one! It should be illegal to set people up like this! No wonder in the "Land of the Free" there are so many homeless people! And Forclosures! Not to mention people who go crazy with stress and do unthinkable things! This country needs to stop the bloodsucking companies who rob us of our homes, our security, and our morale!!
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