I don't even know where to start this has been going on so long... I'll try to cram everything in.
Back in December my husband had his hours cut back from 45 a week to 20 a week. We were struggling and called Ocwen our mortgage company to see what we could do to prevent any problems.
The gentlemen I spoke with (foreign, they all are), told me that we needed to be 2 months delinquent before anything could be done. Well, it wasn't hard to fall behind considering the loss in income. In February I called back. I was told that we had to apply for President Obama's foreclosure assistance plan. I had to fax in paystubs, copy of most recent taxes (2007 because we hadn't filed 2008 yet), bank statements, and a hardship letter.
I faxed in everything the same day. I was told 10 business days and we would have a response. So 10 business days go by and I call in. I'm told wait 10 more business days. Well, 10 more go by and I call in again. It's now the beginning of April.
I was told that they didn't have all the paperwork. They asked for my taxes. I told them they were sent in. Then they tell me they need 2008 taxes. Luckily I had just filed so I run to Staples and fax them copies of our 2008 returns. They say call back in 10 business days.
I call back in 10 business days and I'm told to call back in a week. I call back in a week and they say our application for President Obama's plan was denied because we don't make enough (uhm, isn't that the whole problem to begin with?!?). They tell me that they can do an in-house loan modification. I was told I had to put down a deposit of $1700 and then we could resume our regular monthly payment plus an additional amount to cover the months past due. I tell them fine, give them all of our financial info (again) and told they need 5-10 days to process the application.
I call back in 5 days later and told we were denied. We need to make a deposit of $4700. That's a pretty big freaking jump from $1700. But my husband's mother is willing to lend us the money, so I say okay. They say it will have to be processed and again ask me to wait 5-10 business days.
Now it's the beginning of May. I get a sheriff at my door handing us foreclosure papers. The entire time I was dealing with Ocwen they continuously assured me that as long as I was in the loan mod process no foreclosure action would be taken. So I'm shaking and really upset once the officer leaves after embarrassing us in front of our neighbors. (He talked LOUD about foreclosure).
I call Ocwen and basically ask them WTF? The letter said I had 20 days to respond to the complaint. The gentlemen I talked to at Ocwen told me not to respond because my loan mod was approved and I would get the paperwork shortly.
So, like an idiot, I don't respond. I wait a week, and still no loan mod paperwork. I call back in and I'm told that the loan mod couldn't go through because they were running my application a 2nd time for Obama's plan. They think they missed something. They still say don't worry about responding. And like the trusting idiot that I am, I don't respond.
Last week I get an e-mail from Ocwen saying they need ALL of April and May's pay stubs (because they've taken so long that two months went by!), they need proof of my husbands monthly trust fund check, and they need a utility bill for proof of residence.
I immediately gather everything and fax it in. I call Ocwen and repeatedly get an automated message that my application is under review.
Today I get home and check my mail. I have a letter from Ocwen's attorney that states the following:
"You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten (10) days from the date of this notice, a Judgment may be entered against you without a hearing and you may lose your property or other important rights."
So I IMMEDIATELY call Ocwen. Now, I can't even get to an operator. I keep getting transferred to "Rajid's" voicemail since he isn't in.
At this point I don't even have a clue what to do. I wasn't aware they could legally have a judgment entered against us without a hearing!
Now I can't get ahold of Ocwen and I'm confused and scared we are going to lose our home. All because they've jerked us back and forth for almost 5 months.
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