OCWEN Loan Servicing Wells Fargo OCWEN Loan Servicing Harassing Widowed Female Senior Citizen West Palm Beach, Florida

My husband died on 4/4/2012.  I am a senior citizen and I contacted the mortgage company that he was deceased.  The loan servicing company has changed hands 3 times and it is now serviced by

Ocwen Loan Servicing.  In 2001 we refinanced thru Option One Mortage company and they sold our loan many times.  At the closing in 2001 we did not sign the Promissory note and my signature is not on the note.

They say it was only signed by  my husband.  Since May of 2012 I have been trying to assume the loan at a lower interest rate and I have been harassed, told lies, false promises and been given mis-information on all levels.  I do have an account representative from Ocwen who has no power to make decisions.  It is now September of 2013 and I still have no idea what Ocwen is requesting.  I have sent 5 packets for loan modifications, which they have lost 4 of them.  I have loan assumption papers, which they don't acknowledge.  they made me go to the bank and get a power of attorney just to speak to my son who is trying to help me.

The authorization to speak to my son  was notarized in NY state and as of 2 days ago, they said they had nothing in their record allowing him to speak on my behalf.  Even tho I sent the papers in July of 2013 and before that in October of 2012.  They lose paperwork, or say it is not in my file.  Now they want $2000 down and say they will lower my monthly amount by $100. but I will have to pay a balloon amount in 2033 when the note will be paid.  However it does not say what the amount will be in 2033.

I have contacted my local politicians, they can't help me.  I went to see 3 lawyers, paying out of pocket, they haven't helped me.  I sent a packet of information to the Attorney General of New York in June of 2013 and they never responded to me.  I have kept every piece of paper from all 3 servicing agencies since my husband's death.  The 3rd company does not acknowledge the agreements with the 2nd agency (Homeward Residiential) even tho I was told Ocwwen  would .

I need help, but do not know where to get it.  I haven't paid the mortgage since October of 2012 because they kept telling me I would have a loan modification in 30 days..( didn't happen)  then they put me in forebearaance after the hurricane for $750.00 and the new company Ocwen say this was not in their paperwork.  I have no idea what I owe and now I am totally frustrated.  Can anyone help me?????