ASC gave me a phone number to call to talk to one of their affiliated councelor from the HUD in order for me to get help with my financial problem. So finally I talk to one of the councerlor and did a financial work out and told me that he will send me a copy of what we talked about on the phone and he will email it to my lender as well and will recommend restructuring or loan modification. When I received work sheet that ASC councelor had send me through mail he made it look that I owe a lot and had put extra expenses that made it wurst for me not to qualify for a loan modification. After that I have no choice but hire a lawyer who knows more about loan modification. So what the lawyer did is called ASC and start to work on my modification but the lender said that they had received the financial work sheet that HUD councelor had send to them which is wrong, but the lawyer had told them that financial worksheet that is provided by that councelor is wrong, so what he did is he send or fax a new financial worksheet so that we can start the loan modification which it could take up to 6-8 weeks. My lawyer also had told me that he already talk to ASC representative whose supposed to be the negotiator for my laon modification. Last week 01/14/08 I received a letter from ASC stating that my loan modification was denied because of the financial worksheet that the councelor had send me which is the that ASC had referred me. 01/23/09 my lawyer receive a call from ASC that my house is on the process for short sale instead of loan modification, my lawyer was shocked because we did not request for short sale because we are keeping the house and we are requesting for loan modification. ASC said that they are going to pull as out of short sale department and will send us a form for financial work sheet to start processing the loan modification again. I have miss 2 paymets already and trying to get a loan modification through ASC but instead they want us to loose our house which we are trying to negotiate for us to keep it. I was just shock because if I did not received America's Servicing Company 's phone call 01/23/09 we would not know that our house is on the process short sale not modification. This lender is not willing to help the people instead their goal is to put people out to street. I heard information about other lender who is willing to help their borrower modified their even if they are not in the bailout system. I thought the government approved to reconstruct the people's loan to avoid foreclusure because of what is happening in our economy. America's Servicing Company's management stuff are very rude and do not intend to help us borrower instead make us think that there is no hope for us. I just hope there is help for us to stop ASC to not put families out of their home." God Bless Us "
Maria Camara
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