I too have a mortgage with American servicing company. I requested a loan modification and was told that I must be 60 days late before they would assist me with a loan mod and or a short sale. I had two short sales pending. ASC denied them, Mrs Greenwood said that I wasn't in a financial hardship. Since then My house has been taken from me. ready for auction. My credit score has dropped over 250 points and no one from this darn company will help me or tell me how to recover. I just called and asked how can I save my property from foreclosure since it has not been sold. I was told that I couldn't save because I don't make enough. What a bunch of crock. Someone please weigh in on this and point me in the right direction.