What can be negotiated with ASC?

America's Servicing Company is not willing to negotiate for a long term customer. They would prefer foreclosure. I was a first time buyer and honestly would NEVER have signed the papers for this loan knowing what I know now. The payments have been 96-125% of my monthly income and has completely drained my 401K and savings (which was substantial and now nothing). I have incessantly tried to work with this company (which the loan was sold to in the first three months of signing). This effort has been to no avail and added only an increase in frustration and no hope of getting out of this in a reasonable way. It sickens me that ASC can do this and not have any recourse for the lives they destroy. I am livid at how I have been treated and I pay my monthly mortgage, I cannot imagine how they treat me if I do not. That is about to happen, I no longer have the excess in savings to pay the mortgage and actually survive financially. The monthly payments are ~3920 and my monthly income is ~4200. If I only pay ASC then I do not have an existence and it will never be fully paid. I cannot and will not continue. I have paid over $100,000 in interest over the past 28 months and have nothing left and nothing in return. If the loan were a reasonable rate for the actual value of the condo I could survive reasonably. That is all I ask of ASC and they have no interest in negotiation on a reasonable level.