American Servicing Company claims they are reviewing your information in attempt to approve you for the HOPE program. However, BEWARE...I was just denied...they stated per FHA guidelines, all my debts including the new written down mortgage and any revolving debt needed to be below 31 percent. However after reading the FHA guidelines on line, there numbers don't match up. I have read FHA requires the front to not exceed 31 percent, but not the total debts. This is a cover up I believe. When they say they are reviewing your case based on FHA guidelines, they are really reviewing by their own criteria. I can afford my new payment that would be written down to half of what it was prior. However, now I'm another victim to this Foreclosure mess. I feel ASC has no intentions on helping their existing clients as they state. BEWARE...also worse customer service ever, even the supervisors lack credibility as they are just as evasive and inconsistent as their dim wit employees