All,
I bought my h ouse in 2005 during the Housing boom and as in alsmot all cases, I paid an extreme amount for the Condominium. I had purchased my home loans through a family friend which got me two loans; both by Fremont Investment and Loan.
Fremont, which is now out of business, then transfers the loans over to HomEQ and Ocwen. I soon realized that I could no longer afford the Condo payments for both mortgages and contacted both for a Home Loan Modification. HomEQ, was very easy to deal with, Ocwen on the other hand was not.
Long story short, the Home Mod request was denied by both Companies and I soon filed for Bankruptcy in August 2010. The Bankruptcy was discharged, and to my understanding all debt reported under the bankruptcy I am no longer liable for.
I purchased the Condo in Maryland and the state has a law where I still am responsible for the HOA Fees after the bankruptcy until the Condo sells under foreclosure. I contacted OCWEN today to inquire about the foreclosure sell and they inform me that I STILL OWE THEM MONEY FOR THE LOAN!!!!
I checked my credit report and it says that the accounts have been closed under the US FED Ruling.
I certainly feel misused. OCWEN was the company that offered me a Home Mod, I said I would agree and days later they tell me that the Home Mod was DENIED!
I feel that they are not doing any due diligence to sell this Condo and here I am months later still paying for the HOA fees.
Not only has my credit report been tainted for the next 10 years but it still is continuing today if they do not get these house off the market.
If any lawyer wants to contact me please do. It seems the offer of a home mod and then a rejection has happened multiple times. This company denying the Home mod has ruined my credit for the next 10 years.
Thank you for your time reading this.
Ben
