Asc, Success!! - Loan Modification Forum

throwaway · 04-15-2008, 03:40 PM

To some things up. We are 6 months behind on our mortgage. ASC offered a forebearance plan that wanted 2200 down then 1400 a month for 3 months then 4th payment of 3500. But they claimed after successfully completing 3 payments we would put the past balance behind us. The other paper we had at home was for us to pay 1999.99 by dec 31 or go into foreclosure. We decided we did not trust this forebearance since we never heard of it. We paid the 1999.99. The next month we called to make a payment and was told we were in foreclosure. We ended up paying (name removed) to talk to ASC for us. April 9 2008 we were served with a complaint to foreclose. We have to respond within 30 days. The killer is (name removed) has gotten ASC to offer another forebearance agreement. This time they do not want any money down and we must pay 1452 a month for 3 months than the 4th payment will be 8400. They said as soon as we make the 3rd payment we need to contact ASC to have the 8400 rolled into a modification. The papers say that it will suspend foreclosure. It wanted payments to be mailed. but (name removed) has gotten them to give us a western union account so we can pay that way and it would be documented. Does this sound right? has anyone paid for 3 months on a forebearance and had the 4th payment put onto the end of the loan? I have 3 kids and a wife I have no intent on leaving our home.:confused by the way the court papers says my lender is us bank associates

schwefls · 04-15-2008, 05:14 PM

Welcome throwaway:

I wanted to stop say hello and let you know that we are all here for you. Shortly someone will be responding back to you with some sound advice. In the meantime, get ready to put on your boxing gloves, you have a fight ahead of you but if anyone can help you get through this we can.

Moe Bedard · 04-15-2008, 06:29 PM

Hi Throwaway,

Welcome to the forum and thank you for joining...........

Yes this is normal for a lender to do a forebearance plan then roll to modification........they want to make sure that for the first 3 months.....you are going to hold up your end of the bargain and make the payments in full and on time........before they modify the loan.

However, you did end up paying a third party to do what you could have done yourself.........or contacted a non profit to do for you without paying........

throwaway · 04-15-2008, 06:45 PM

Well at the time I was scared for my family. I shelled out money I could have used towards my mortgage defaults. I don't understand why the forbearance doesn't state that the last payment of 8400 would be rolled into nod. It says we need to make all payments on time and in full. It does not say anywhere that we do not have to make this payment. After the company I hired got the forbearance done I started researching everything and came across this site. i wish I had come here first. As of now I hve no sale date. my first payment is due april 30th. I am going to pay it this weekend(saturday). Now since ASC made this forbearance and my loan is with US bank associates how does the lawyer know to suspend the foreclosure? And has anyone completed this forbearance with the balloon payment and not had to pay the 4th largest payment?

Thank You

Moe Bedard · 04-15-2008, 06:53 PM

Not yet..........this is something that we are seeing more of the lenders start out with.......just make the first payment and then speak with ASC yourself and begin faxing the necessary modification paperwork..........just tell them that you would like some sort of confirmation that they will in fact seek a modification when you have completed the 3 payments under the forebearance.....

I am sorry you didn't find us sooner too.....

But you are here now........

throwaway · 04-15-2008, 07:05 PM

When they put us in foreclosure they would not speak with us. they referred us to the attorney. THis is why we scrambled for help. Like I said before I have no intention in leaving our home. Funny thing is we received a letter letting us know that our ARM would not adjust. It is at 9.5% right now. I know its high but we thought we would get our credit rating up and then things just went wrong. I know the company asked for a reduced interest rate and fixed rate away from this adjustable. They collected lots of info and asked all kinds of questions. When we called all we got were the collections people nobody who would or could do anything. SOmehow this company got a case to a negotiator than this forbearance comes up again. I have been reading that a few people on the board here have started this forbearance. I am avidly looking for someone whom completed it. I am just looking for some comfort that ASC is honoring the 3 month payment they are preaching about. still no mention of the 1100 we have in suspense account. What happens to the foreclosure? Do i take the forbearance to the court house? I have approx. 30 days from April 9,2008 to appear. There is no sale date just the motion to foreclose. I am in Illinois

Moe Bedard · 04-15-2008, 07:12 PM

There should be the name of an attorney on the notice...........you would have to ask the attorney those questions.......
ASC is very hard to deal with.......but at least you have some hope........there are some success stories you can read in the Success Section for ASC.

You also have to get out of the collection dept. and into these depts. for the modification........

ASC
Borrower Counseling Service
1-800-662-3806

ASC
Loss Mitigation
1-866-248-5719

accelerated fax #
1-866-453-6315

throwaway · 04-15-2008, 07:19 PM

accelerated fax? What exactly does that do? I am crossing my fingers. I am upset we shelled out the money to this company but they have opened some hope for us. I will keep all updated..

Thank you for your time

Moe Bedard · 04-15-2008, 07:21 PM

You are Welcome.............

Accelerated Fax is the direct fax to the loss mitigation dept....

Keep us Updated on your Progress...........

throwaway · 06-05-2008, 05:12 PM

Well We just paid our 3rd payment of the forebearance. It is due on June 30 but we paid it on June 2. I called ASC yesterday and was told that my last payment was going to sit in the suspense account. I have a total of 2700 dollars in the suspense account. My other 2 payments went to interest and a little to principal. I was told that the remaining 8400 would be added on the modification. I was told that the would probably not start working on the modification until early July and it will take 30-45 days. The foreclosure was suspended on April 23rd.

RudyJay · 06-05-2008, 05:24 PM

It is passed April 23rd and you are still in your home... good deal.... hang in there...rj

throwaway · 07-03-2008, 03:51 PM

Just spoke with ASC and was told that our loan is in review for the modification. I was told that we do not have a payment due for July and that the money we have in suspense will be used for our contribution amount. They have not asked for any papers,w2's bank statements or anything this time around. Is that normal. I know the company that we were using to help us with this matter had submitted out hardship letter and financial papers months ago. I asked if there were any notes of what was needed from us they said no.

RudyJay · 07-03-2008, 04:11 PM

throwaway..

It would seem the financials you submitted 3 months ago are the still the ones that are being used. However...I had a loan modification completed on my 2nd and although they took my imonthly ncome vs debt over the phone. I was not required to submit bank statements etc.. rj

Moe Bedard · 07-03-2008, 09:13 PM

throwaway,

If you are on an income that doesn't fluctuate from month to month then what they have in their file should be fine.............

Please keep us updated on your progress.......

throwaway · 07-08-2008, 07:53 PM

Just received a call from ASC. They were wanting a signed copy of our forebearance agreement. I told the lady we have mailed a copy and faxed 3 copies. Then she tells me they just received our June payment. I explained to the lady we made the June 30th payment on June 2nd. She said our loan would be reviewed for modification soon and it would be done by the July 30th. I told her last week I was told by "person's name" that it is in review now. The lady said oh sorry for the call I have 3 copies of the signed forebearance here. and our payment was received on June 2nd. Our loan will get to a negotiator soon. She also said to call once a week to check the status.

throwaway · 07-25-2008, 05:05 PM

Well Thanks to everyone here who have given advice to my family and I. I am happy to say that ASC called today. The lady on the phone even adjusted our expenses so the mod could be approved. My payment has went up $100 a month. my arm is gone I am now at a 9.5% fixed for the remaining 28 years. I was going to fight for a cheaper rate but my loan originally was 9.5%. So it' smy bed and I will gladly lay in it. I do not have to come out of pocket any amount but the money we had in suspense will be used for our contribution amount. All things considered we have saved our house and our next paymnet is October 1st. DHL should be arriving with our documents.

Moe Bedard · 07-25-2008, 06:26 PM

throwaway.............

Good for you.............You Saved Your House!!!
Congratulations!!

Please let us know when you receive the docs and if you have any questions on them.............

throwaway · 08-14-2008, 07:02 PM

Papers have been signed and returned to ASC our first payment is 10-01-2008. ASC forebearance is a very strange program beause it doesn't offer any protetion that the default amount will be forgiven if you make the 3 payments. ASC has kept approx. 3000 we had in suspense for our "contribution amount" they also added 10,000 onto our loan so now we owe 170k instead of 160k. This actually pissed me off because we love our house and made some very bad 1st homeowner mistakes. We have chalked this up as a learning experiene. We have setup a 2nd bank acount for auto pay and we will be paying biweekly so we can pay mortgage off early. our 9.5% interest rate we will try and get refied to get a lower rate after we make some ontime payments. Please move us to the success stories

Abbykatesmom · 08-14-2008, 08:47 PM

Congrats Throwaway, you did it! Rest easy my friend.

RudyJay · 08-14-2008, 10:09 PM

Much Congratulations... on your mod... Sleep well and have a great weekend for you and your family rj

elpjohnson · 08-14-2008, 10:40 PM

Throwaway.....

Congratulations! This is great news!

KimberlyD · 08-19-2008, 08:30 AM

I'm in the process of trying to work out a modification with ASC (actually, Greg Paiva's office is doing it). They have been unable to get a phone number for our negotiator (although apparently, one has been assigned). The only way of communicating is via fax and they keep getting the runaround. Do you have a phone number of your negotiator? I'm trying to find some way of breaking through to talk to someone directly.

Thanks for any info!!!

ETA: Congratulations!!!!

04-15-2008, 03:40 PM	#1 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Asc, Success!! To some things up. We are 6 months behind on our mortgage. ASC offered a forebearance plan that wanted 2200 down then 1400 a month for 3 months then 4th payment of 3500. But they claimed after successfully completing 3 payments we would put the past balance behind us. The other paper we had at home was for us to pay 1999.99 by dec 31 or go into foreclosure. We decided we did not trust this forebearance since we never heard of it. We paid the 1999.99. The next month we called to make a payment and was told we were in foreclosure. We ended up paying (name removed) to talk to ASC for us. April 9 2008 we were served with a complaint to foreclose. We have to respond within 30 days. The killer is (name removed) has gotten ASC to offer another forebearance agreement. This time they do not want any money down and we must pay 1452 a month for 3 months than the 4th payment will be 8400. They said as soon as we make the 3rd payment we need to contact ASC to have the 8400 rolled into a modification. The papers say that it will suspend foreclosure. It wanted payments to be mailed. but (name removed) has gotten them to give us a western union account so we can pay that way and it would be documented. Does this sound right? has anyone paid for 3 months on a forebearance and had the 4th payment put onto the end of the loan? I have 3 kids and a wife I have no intent on leaving our home.:confused by the way the court papers says my lender is us bank associates Last edited by Moe Bedard; 04-15-2008 at 06:22 PM.. Reason: company name removed

04-15-2008, 05:14 PM	#2 (permalink)
schwefls New Member Guide & Litton Success Join Date: Jan 2008 Location: New Jersey Posts: 1,090 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 Welcome throwaway: I wanted to stop say hello and let you know that we are all here for you. Shortly someone will be responding back to you with some sound advice. In the meantime, get ready to put on your boxing gloves, you have a fight ahead of you but if anyone can help you get through this we can. __________________ Lynn Successful thanks to this forum Loan Safe Guide

04-15-2008, 06:29 PM	#3 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 Hi Throwaway, Welcome to the forum and thank you for joining........... Yes this is normal for a lender to do a forebearance plan then roll to modification........they want to make sure that for the first 3 months.....you are going to hold up your end of the bargain and make the payments in full and on time........before they modify the loan. However, you did end up paying a third party to do what you could have done yourself.........or contacted a non profit to do for you without paying........ __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

04-15-2008, 06:45 PM	#4 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 Well at the time I was scared for my family. I shelled out money I could have used towards my mortgage defaults. I don't understand why the forbearance doesn't state that the last payment of 8400 would be rolled into nod. It says we need to make all payments on time and in full. It does not say anywhere that we do not have to make this payment. After the company I hired got the forbearance done I started researching everything and came across this site. i wish I had come here first. As of now I hve no sale date. my first payment is due april 30th. I am going to pay it this weekend(saturday). Now since ASC made this forbearance and my loan is with US bank associates how does the lawyer know to suspend the foreclosure? And has anyone completed this forbearance with the balloon payment and not had to pay the 4th largest payment? Thank You

04-15-2008, 06:53 PM	#5 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 Not yet..........this is something that we are seeing more of the lenders start out with.......just make the first payment and then speak with ASC yourself and begin faxing the necessary modification paperwork..........just tell them that you would like some sort of confirmation that they will in fact seek a modification when you have completed the 3 payments under the forebearance..... I am sorry you didn't find us sooner too..... But you are here now........ __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

04-15-2008, 07:05 PM	#6 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 When they put us in foreclosure they would not speak with us. they referred us to the attorney. THis is why we scrambled for help. Like I said before I have no intention in leaving our home. Funny thing is we received a letter letting us know that our ARM would not adjust. It is at 9.5% right now. I know its high but we thought we would get our credit rating up and then things just went wrong. I know the company asked for a reduced interest rate and fixed rate away from this adjustable. They collected lots of info and asked all kinds of questions. When we called all we got were the collections people nobody who would or could do anything. SOmehow this company got a case to a negotiator than this forbearance comes up again. I have been reading that a few people on the board here have started this forbearance. I am avidly looking for someone whom completed it. I am just looking for some comfort that ASC is honoring the 3 month payment they are preaching about. still no mention of the 1100 we have in suspense account. What happens to the foreclosure? Do i take the forbearance to the court house? I have approx. 30 days from April 9,2008 to appear. There is no sale date just the motion to foreclose. I am in Illinois

04-15-2008, 07:12 PM	#7 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 There should be the name of an attorney on the notice...........you would have to ask the attorney those questions....... ASC is very hard to deal with.......but at least you have some hope........there are some success stories you can read in the Success Section for ASC. You also have to get out of the collection dept. and into these depts. for the modification........ ASC Borrower Counseling Service 1-800-662-3806 ASC Loss Mitigation 1-866-248-5719 accelerated fax # 1-866-453-6315 __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

04-15-2008, 07:19 PM	#8 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 accelerated fax? What exactly does that do? I am crossing my fingers. I am upset we shelled out the money to this company but they have opened some hope for us. I will keep all updated.. Thank you for your time

04-15-2008, 07:21 PM	#9 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 You are Welcome............. Accelerated Fax is the direct fax to the loss mitigation dept.... Keep us Updated on your Progress........... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

06-05-2008, 05:12 PM	#10 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9(UPDATED INFO) Well We just paid our 3rd payment of the forebearance. It is due on June 30 but we paid it on June 2. I called ASC yesterday and was told that my last payment was going to sit in the suspense account. I have a total of 2700 dollars in the suspense account. My other 2 payments went to interest and a little to principal. I was told that the remaining 8400 would be added on the modification. I was told that the would probably not start working on the modification until early July and it will take 30-45 days. The foreclosure was suspended on April 23rd.

06-05-2008, 05:24 PM	#11 (permalink)
RudyJay Senior Member Join Date: Apr 2008 Posts: 652 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9(UPDATED INFO) It is passed April 23rd and you are still in your home... good deal.... hang in there...rj

07-03-2008, 03:51 PM	#12 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 Just spoke with ASC and was told that our loan is in review for the modification. I was told that we do not have a payment due for July and that the money we have in suspense will be used for our contribution amount. They have not asked for any papers,w2's bank statements or anything this time around. Is that normal. I know the company that we were using to help us with this matter had submitted out hardship letter and financial papers months ago. I asked if there were any notes of what was needed from us they said no.

07-03-2008, 04:11 PM	#13 (permalink)
RudyJay Senior Member Join Date: Apr 2008 Posts: 652 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 throwaway.. It would seem the financials you submitted 3 months ago are the still the ones that are being used. However...I had a loan modification completed on my 2nd and although they took my imonthly ncome vs debt over the phone. I was not required to submit bank statements etc.. rj

07-03-2008, 09:13 PM	#14 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 throwaway, If you are on an income that doesn't fluctuate from month to month then what they have in their file should be fine............. Please keep us updated on your progress....... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

07-08-2008, 07:53 PM	#15 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 Just received a call from ASC. They were wanting a signed copy of our forebearance agreement. I told the lady we have mailed a copy and faxed 3 copies. Then she tells me they just received our June payment. I explained to the lady we made the June 30th payment on June 2nd. She said our loan would be reviewed for modification soon and it would be done by the July 30th. I told her last week I was told by "person's name" that it is in review now. The lady said oh sorry for the call I have 3 copies of the signed forebearance here. and our payment was received on June 2nd. Our loan will get to a negotiator soon. She also said to call once a week to check the status.

07-25-2008, 05:05 PM	#16 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 Well Thanks to everyone here who have given advice to my family and I. I am happy to say that ASC called today. The lady on the phone even adjusted our expenses so the mod could be approved. My payment has went up $100 a month. my arm is gone I am now at a 9.5% fixed for the remaining 28 years. I was going to fight for a cheaper rate but my loan originally was 9.5%. So it' smy bed and I will gladly lay in it. I do not have to come out of pocket any amount but the money we had in suspense will be used for our contribution amount. All things considered we have saved our house and our next paymnet is October 1st. DHL should be arriving with our documents.

07-25-2008, 06:26 PM	#17 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: ASC, served foreclosure papers april 9 throwaway............. Good for you.............You Saved Your House!!! Congratulations!! Please let us know when you receive the docs and if you have any questions on them............. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

08-14-2008, 07:02 PM	#18 (permalink)
throwaway Senior Member Join Date: Apr 2008 Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Loan modified by ASC!!!!!! Papers have been signed and returned to ASC our first payment is 10-01-2008. ASC forebearance is a very strange program beause it doesn't offer any protetion that the default amount will be forgiven if you make the 3 payments. ASC has kept approx. 3000 we had in suspense for our "contribution amount" they also added 10,000 onto our loan so now we owe 170k instead of 160k. This actually pissed me off because we love our house and made some very bad 1st homeowner mistakes. We have chalked this up as a learning experiene. We have setup a 2nd bank acount for auto pay and we will be paying biweekly so we can pay mortgage off early. our 9.5% interest rate we will try and get refied to get a lower rate after we make some ontime payments. Please move us to the success stories

08-14-2008, 08:47 PM	#19 (permalink)
Abbykatesmom Senior Member Join Date: May 2008 Posts: 75 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Asc, Success!! Congrats Throwaway, you did it! Rest easy my friend.

08-14-2008, 10:09 PM	#20 (permalink)
RudyJay Senior Member Join Date: Apr 2008 Posts: 652 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Asc, Success!! Much Congratulations... on your mod... Sleep well and have a great weekend for you and your family rj

08-14-2008, 10:40 PM	#21 (permalink)
elpjohnson Successful Homeowner / Loan Safe Guide Join Date: Dec 2007 Location: Gold Country, Northern California Posts: 1,025 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Asc, Success!! Throwaway..... Congratulations! This is great news! __________________ Erika 10 Month Success Story With Option One.

08-19-2008, 08:30 AM	#22 (permalink)
KimberlyD Senior Member Join Date: Mar 2008 Posts: 49 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Asc, Success!! I'm in the process of trying to work out a modification with ASC (actually, Greg Paiva's office is doing it). They have been unable to get a phone number for our negotiator (although apparently, one has been assigned). The only way of communicating is via fax and they keep getting the runaround. Do you have a phone number of your negotiator? I'm trying to find some way of breaking through to talk to someone directly. Thanks for any info!!! ETA: Congratulations!!!!

Thread Tools
Show Printable Version Email this Page
Display Modes
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode