This loan was under the Ocwen Fed Bank FSB. The settlement of my divorce was February 2005. My ex-husband was rsponsible to pay this second mortgage to them. Before my final divorce, we filed bancruptcy and since this loan is a secured loan, it wasn't discharged.
When I had the settlement, the house is awarded to me and I agreed to take the responsibility on the second mortgage not knowing that this loan hasn't been paid. Months passed and On July 5th 2005, I received a letter of foreclosure from this Real Time Resolutions stating that i am so far behind in my payment.
According to the letter that if i don't cure the default, this collection agency will start the foeclosure proceedings. I was so shocked and stunned and didn't know what to do so I called this person (Pedro Salinas) to ask for extension. He only gave me 2 days to come up with the amount of $6,129.62 to cure the default which includes all the late charges, attorney's fees, and other charges. He still wants me to pay too for the month of July and August 2005. I asked him when was the last payment done and he said it was on May 2004.
So, I told him, all this time I never received any notice of late payment or any statement of payments so I have no knowledge about this late payments at all not unless my ex-husband has been taking all the statements.
I am asking from him any record of payment done, eversince he took over from Ocwen but so far up to now, I haven't received any. Since I don't want my house to be forclosed, i had to borrow money from my friends because I don't know where to bring my 3 young boys. Ocwen so far hasn't sent any notices at all on the late payments too. They are the ones supposed to be sending letters or statements.
I don't know what is going on here but what I know is I am being scammed by this company since they know now that I have the house when my ex-husband stopped paying them, Why didn't they send me statements on this loan and when I talked to Mr. Pedro Salinas about this, he told me to get hold of Ocwen but I don't have their telephone number.
Please help me, I wasn't represented fairly already in my recent divorce, I don't want my house to be forclosed. This is my lifetime savings and I am saving for my kids college too. I am penniless already and I don't know where to go and ask for help.
I mentioned to my ex-husband of him stopping the payment since May 2004 but he denies it. He said he had been paying them. So I am not sure what is really going on. Please, please I need your help. I hope someone out there who has a big heart will answer my pleas.
Violet
Kodiak, Alaska
U.S.A.
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