OCWEN Loan Servicing, LLC Loan Modification & Foreclosure Fraud or Scam, Internet

In August 2008 I lost my job but I began working right away as a freelance advertising producer, being booked daily. In January 2009 I was injured and the injury caused me to be out of work for four months, I couldn't be on my feet. Being self employed I did not have unemployement or disability so I made $0 for these four months. During this time I became behind on my mortgage payment to Ocwen Loan Servicing, by three payments. Prior to this I had paid them on time for three years every month.

I immediately called Ocwen when I knew I was going to be unable to make my payments and they asked when I thought I would be starting to work. I said I would be back at work in April. I kept in contact with Ocwen, they told me to pay as soon as I began making money again. Which was the beginning of May....but in May I was served with foreclosure papers from a lawfirm here in WI, Ocwen being the plantiff. When I called Ocwen they said, don't worry, there isn't a foreclosure, we can stop that and we will work on getting you a government loan modification under Obama's new plan.

I had phone call after phone and fax after fax of my financials to Ocwen regarding this government modification with no news and them telling me not to pay anything until the modification is approved. Then in June I was told the government plan wasn't approved but my next option is to try and get approval under Ocwens loan modification program. Then on July 14 I was served final judgement papers by the state of WI and the same lawfirm Ocwen used here in WI before saying my house was foreclosed.

I called Ocwen again and told them this, they said they didn't have any records of foreclosure and that they would contact the attorneys office and make sure that isn't the case. I spent the rest of July and August and first part of September on phone call after phone call with Ocwen, a different person every time (i have it documented), trying to followup on the latest Ocwen loan modification process and still being told not to pay until it is approved.

Finally in September it was approved and I was to wire them a deposit amount as well as a mortgage payment and then I was placed in a trial period for three months (Oct, Nov, Dec) where I was to pay my mortgage on time by the 1st in order to keep the loan modification good. I paid Oct & Nov, I am supposed to pay Dec today.

I also had a small loan when I bought my house that Ocwen agreed to do a short sale settlement on for the amount of $3000. I was about to wire them this money last week as this was due by 11/27 and pay my December mortgage but then I received a NOTICE OF SHERIFFS SALE in the mail saying my home is going to be up for auction on January 18, 2010.

They told me the foreclosure didn't exist and they reversed it and all along it did WHILE they were doing this "Loan Modification" which now includes my escrow and late fees and more on the backend of the loan. My mortgage payment is higher than it was before AND apparently my house is being sold out from under me.

The only thing that can be done I am told is file a Chapter 13 against the mortgage arrears, trustee fees, attorney fees and pay that over 3-5 years. However I did a quick google search of Ocwen last night...just for fun and now I am sick to my stomach on what I have found. Site after site of this SAME EXACT THING. It is like reading exactly what happened to me for the past 7 months. There was even someone who filed Chapter 13 and Ocwen started increasing their mortgage payments and interest rates so it looked like they were late on those payments. So they had to file Chapter 7 and lost their house anyways.

I feel like I have completely lost here and don't know what I can do. I tried calling the Attorney General who put me through to the Consumer Complaint office. They said it takes 45 days to file, by then my house will be gone. There are class action suits all over the US against Ocwen but not in WI yet. I called the local news station, but what will that do.

I am supposed to pay my mortgage today. I am an honest person. All I want is to pay my mortgage and have my family and I live in our home. I thought all along that is what Ocwen was working with me to do. And now this....does anyone have any advice?