ASC, JPMorgan Chase

[Joel Fraser]

I am really confused. Here's my story: My husband is an alcoholic who doesn't work. I have been struggling for years to keep it together. We separated 4 years ago, I left, he never paid th mortgage. We got back together, and tried to keep up. We couldn't. We filed chapter 13. I gross 2400/month but after deductions and the bankruptcy payment I take home 1300/month. $585 off the top of that for a family of 5, and a 40 minute commute one way to work has left me with little. Especially with $4.20 a gallon here. I kicked him out again. Ugh. ASC filed for releif from automatic stay. They got it, their lawyer then sent me a nice letter indicating we could reinstate for $8K+ by June 6th. Otherwise, they will move forward with the foreclosure. I have heard so many hear saying ASC is owned by Wells fargo. Then why is ASC and JPMorgan Chase on the letter from the lawyer? I called JPMorgan Chase, and they don't have any idea why I called them. They have no record of anything and they say they don't hold the note. I am confused. So I called ASC and talked to loss mitigation, they say if I can do 4 good faith payments, on the fifth, they will do a loan modification. Sounds great, but they want $4500 as the first payment by June 14th. She asked if I wanted to agree to this or deny. Ok, this is a no brainer right? I either deal with their lawyer and come up with 8K by June 6th or give them 4K by June 14th. What would you pick? So she said she sent out the paperwork and I had to sign and blah blah blah. Coming up with the payment is something I have NO clue how I'll do but, at least it is a bit of hope. So then, I called my lawyer and told him what was going on and he actually seemed mad that I "went behind their attourney's back" and made a deal. He said, their attourney's would foreclose and they are the ones I need to deal with. I said "their attourney's work for them! If they are willing to work with me, why should I deal with their attourney!" His tone was very annoying. He suggested that I was 8K behind in mortgage payments. NOT SO...I was a month and a half behind when they filed to lift the stay and how dare he suggest that 8K was my mortgage payments I hadn't paid. 8K is LAWYER fees. Here's another thing, the payments I HAVE paid ASC, show as "suspense" on their website. What does that Mean? It looks like they were never even applied to the note. Looks like they took my money and kept it. I am sure there is a lot more to tell, but I don't want to write a book. I can't call out on my phone, so I used the online site for CCCS,and I got a bounced email from their website after I filled in all my info, which looks like it was meant for a counselor whose email is now invalid. The email contained my info and consent. Weird. Anyway, I'll stop now. Thanks to you all for this place and your help. Please give me some of your thoughts. Michelle