American Servicing Company cheated me and got away with it!! Baltimore Maryland

I have the same horror story as many of the people who have dealt with ASC it started back in 2005. They managed to get over $28,000 additional dollars. I received multiple statements with different payment numbers in a single month and never knew what I was supposed to be paying or when, on their "Payment Plan" they continously changed dates and payment amounts and had to return money to me four times. I knew my only alternative was to get out. Can I sue them indivudally I feel as if they purposely tried to make me default by complicating the procedure in order to have the upper hand. Do I have any rights?

Where can I find the information that will explain to me what they can and cannot do. Is it okay for them to tell you different things every time you call, take 4 months to make a change that you have requested, and keep charging you late charges on an amount that should have been changed when it was requested. They deffered payments anyhow they saw fit (and told me they had that right) held on to payments while charging additional late fees. Charged miscellaneous fees (that still have not been explained), harrassed and stressed people and have CSR who do not know what they are doing. And all this power because they own the roof over your head.

Is there nothing that I can do in court? I refuse to allow them to get away with this I do not need an attorney I need information on my rights as a client of a company that demanded money that I HAD TO PAY (or see my children homeless) and to date have still not explained what I paid for. Please help me bring them down. I am so angry with ASC.

Mandy
Bridgeport, Connecticut
U.S.A.