AHMSI offers people in hardship situations loan modifications that actually increase the payments making the payments impossible to those on a fixed income to make. Unfair trade practices, RESPA and HUD violations, illegal forclosers.there needs to be a federal investigation of AHMSI for illegal business practices that ruin peoples lives. The excutives of this company should be in jail.AMSI excutives are far worse than Madoff or Charles Keating.