ahmsi you are not alone Internet, Internet

In 2006 AHMSI over appraised our home and when the bottom fell out of the market we found ourselves upside down on the mortgage. We called at one point to have them re-cast our mortgage with a 70,000 payment . They wouldn't do it??? 
My employer stopped paying for all our health benefits and I had to pay10,000 a year for benefits.
The money we had went for benefits and associated medical payments.
We have tried for about 3 years to get them to modify our loan but to no avail.
I still don't understand their mentalityand how their paperwork says they are a lender but on the other side they say they are a debt collector?
These people are atrocious stay clear!!!!!