Ocwen And Foster And Garbus Getting screwed Orlando Florida

ocwen wrote off my loan and sent me a 1099 stating on the 1099 cancelation of debt. which i filed, then started sending me a bill for $12,000 and charging me $ 800 in late fees each month because i would not pay it. than when i had a buyer for my house they gave me the run around for months, waiting on hold for 40 to 50 minutes just to talk to someone, and when i finally got to talk to someone they had no answers or transfered me to someone else, told me to submit a short sale packet to get a release of lien and never responded after that.

i have spend numerious hours on hold and on the phone with this company trying to get an answer, and when my first morgage company started to contact them so i could settle the short sale they sold my loan to a collection agency for the full amount and refuse to honor my short sale.

the house went to forclosure and now i owe the irs 20,000, my credit is shot, i have no money, no house and i know nothing about law and dont understand much about it.

i am begging anyone to give me some good info on what to do. i am completely lost and dont have a clue what to do....

how can you sell a loan a all if you already wrote it off and i am paying taaxes on.

Pete
Coram, New York
U.S.A.