Ocwen Federal Bank FSB ripoff Orlando Florida

I was told by phone I couldnot use the forbarance plan because I was not 90 days behind. I was told by phone to stop paying until I was 90 days behind when I was I called to sign up they told me that plan was for late fees only. my daughter and I are both on dissibility we have no way to catch up on the loan. I called them to explain our situation they told me they wernt going to forclose but I keep getting NOTICE OF DEFAULT letters I dont know what to do. If anyone does please help.

Linda
amado, Arizona
U.S.A.