I have been reading all of the complaints for America's Servicing Company, and as I (unfortunately) have wasted many a hour stressing over my mortgage through them, I REFUSE to pay them another red cent let alone continue to waste my valuable time typing. Those bastards need to be put into their places!!!
Enough is enough!!

We all need to join together to file a CLASS ACTION LAWSUIT AGAINST ASC!!!

Who's game??!!

We bought our house in may 2006 by the end of that year these yahoos decided that my house was not adequately insurred because my home owners policy and flood policy did not match in $$$ of insurance, that sent my payment to $200 more per month, then a car disaster blown engine, fell behind one payment and got a repayment plan which we completed in july 2007. The begining of 2008 taxes were past due a simple call to asc was not enough a letter had to be sent signed by all parties living in the house and they payed the back taxes due from 2006 till present day now the part they conveniently leave out on the phone if they pay your taxes on your property that gives you a escrow shortage payment due by the end of the year my payment went from an outrageous $1800 per month to over $3000 I sent in all my paperwork to them for a loan modification after their notice of forclosure and was declined because my expenses exceeded my income by $1200 by my calculations my expenses only exceed my income about 400 needless to say they cant lower my payment by 1200 because i would be back to my original payment and they dont want that if they take my house I dont really care the fact of self employment leaves them no option to garnish wages and i can always say i quit the fact is asc is a bad joke and one of the contributers to the economic situation in this country

My wife and i have fallen on rough times like many others in this current economy. She is unemployed and has been since May of "08" and i have been curtailed off and on from about the middle of july. We have fallen behind on our payments for a few months now and applied for a loan modification with a.s.c. only to be denied after a month of review due to our expences were too high! Yes we would refi. if we had better credit than what we have now to get away from this heartless company. Oh b.t.w. our first mortgage company has already approved our modification with them and were very greatful for accredited home lenders helping americans out such as my wife and i in a time of crisis due to the economy we are in today! The reality is companies that perform customer no service business practices that Americas servicing co. adheres to, and not willing to work with their customers somehow manage to avoid going bankrupt during these times, yet they will be more than happy to throw you, your contract, and your dream home under the bus so you can join the forclosure dilema! We are now refiling for another modification, like the previous request so we can simply put some of the past payments due now toward the end of the loan. In my opinion we not asking for a.s.c. to meet us more than half way, just the middle this one time only! I also would like to thank Aames home loan for selling our loan to this customer no service mafia!

I asked ASC if I could skip a payment and make it up over 6 months. They said sure and then come to find out they where reporting that I was 30 and 60 days late to the credit bureau and destroyed my credit. They never told me about this and I found out 6 months later that this was happening when I went to buy a car. Nice mortgage firm! They then jacked up my interest rate and I went to refinance with someone else and no one will even look at me because of late payments that I acquired over the six months it took to repay the one month I skipped.

In January 2008 Americas Servicing Company said they would refinance my $85, 000 first mortgage from a 10.625% ARM to a 6.200% fixed rate effective March 1, 2008 with my next payment scheduled for April 1, 2008, and they instructed me to make no further payments on my loan or they would withdraw their offer.

It is now the end of September, and I have made no payments since December 2007. Although Peoples Choice Home Loan made my loan and assigned ASC to service it soon thereafter, HSBC has filed a foreclosure action against me...however they admit to the court they have NO interest in my loan and have absolutely no paperwork regarding it. Meanwhile, ASC changed my loan payment schedule and increased my $825 payment to over $3, 200.

Based on their behavior, I rescinded my loan, the results of which is now there is NO security interest in my real estate any longer and therefore NO ONE may foreclose on my property, and I have filed a 17.15 million lawsuit against ASC and a host of banks for financial fraud and racketeering. I sued the lawfirm
that brought the foreclosure action, and the attorney assigned to defend them has asked me to make a settlement offer to them. The firm routinely files foreclosure actions in the name of institutions which have NO right to foreclose - commiting fraud upon the court/borrowers and violating State Bar Rules of Professional Conduct. I will probably soon ask for a default judgment against ASC ( which is Wells Fargo Bank ) since they have not answered my complaint against them. I have caught them red handed in acts of larceny...they make maybe $30-$40 a month for servicing my loan, and they have defrauded me to raise money for themselves...leaving the true investor in my loan without security or a right to foreclose, and now holding an unenforceable loan since no court can order me to make payments larger than the payments set forth in my loan agreement. My investor needs to sue ASC as well in my opinion.

I have a second mortgage Line of Credit with Bank of America, but even though I have made every payment on the due date by direct deposit, they added $625.oo in junk fees to my loan, and by doing so I have rescinded that loan as well and demanded return of all my payments, plus damages, as part of my 17.15 mil lawsuit...by law, there is no longer ANY loan against my home whatsoever, and these banking giants owe me substantial damages for the damages they have heaped upon me, which includes lowering my property value and the tax base by their widespread fraud.

The financial fraud going on in this country has brought the country to its knees.. EVERYONE being foreclosed on should CONTEST THE FORECLOSURE ACTION and sue for damages to make the lenders and investors prove they have a right to order the property sold in a quick cash desperation sale for way below market value and force them to negotiate an equitable resolution for everyone, as I believe there are probably NO mortgages in this country that do not have some degree of lender/investor/servicer/foreclosure agent and attorney non-compliance or outright fraud or misconduct that is actionable...I urge you to consult with several consumer defense attorneys to review your individual circumstances and options open to you and BECOME VERY AGGRESSIVE LEGALLY with servicers, lenders, and investors, as well as MERS - who hides the true parties involved and skirts paying fees to county recorders to make changes and assignments public record.

In my case, I believe a court will award me substantial recovery for the fraud I have been subjected to. If you or/and your attorney would like to speak with me, I welcome your calls...(954) 788-9700.

ASC has agreed to not report any derogatory information on my credit report, which I ..and you..are entitled to under law. YOU MUST DISCOVER AND EXERCISE YOUR LEGAL RIGHTS..this is NO time to be passive and think there is nothing you can do. I believe ASC and Wells Fargo are engaged in criminal racketeering...if you think they have done wrongs to you, I want to know about it !!!..please call me.