Ocwen Loan Modification, tax and insurance ripoff Florida

We got a loan modification when my husband got laid off last year our balance at the time was $189,000 the loan modification increased our balance to $200,000 but we never received any cash out. Our payments were reduced and included taxes and insurance, I received notice that my taxes weren't paid for 2 years and that insurance was going to be force placed on my property in the amount of $2215 after all this is suppose to be taken care of with the escrow account set up by Ocwen employees.

I have tried several times to reach the company and I am referred to the web site not able to speak with a human. I was laid off in February 2009 and wanted to make some kind of arrangements due to my unemployment not being as much as I was making at my job but can not get intouch with anyone. We are behind on the mortgage and finally received a letter stating that we would have to catch it up or foreclosure procedings would start unfortunately neither I or my husband are working so we will probably lose our home because no one will help.

Lil
Ooltewah, Tennessee
U.S.A.