Ocwen Loan Services LLC - We paid off house but Ocwen wont give us the title - can anyone help?!?!?!? - West Palm Beach Florida

I am so sorry to hear about your Mother and the troubles you are having settling her estate. You need to put an end to this back and forth with Ocwen. They are a subprime servicer that is one of the worst in the country. It is pretty clear from your post that there is a remainder amount due to the lender and that amount, no matter how small, can create huge issues for your Mothers' estate. I have an easy solution for you, go to one of your local real estate title company's or a good real estate attorney in your area and have them order a payoff for you. They will respond more favorably to an attorney or title company than they respond to their customers or heirs of customers. Once you receive the estoppel letter from Ocwen complete the payoff to Ocwen through the title company/attorney. It is worth the small amount that the attorney or title company will charge for this service to have it done right. Otherwise, Ocwen can and will do whatever they can to take the property (I have seen it).

Make sure you receive the escrow balance after they acknowledge receipt of the payoff. Ocwen is required to refund the escrow balance to the borrower or the borrower's estate within 30 days. Ocwen is also required to send a Satisfaction of Mortgage to the borrower; or, in your case your Mother's estate.

Make sure you record the Satisfaction if the lender did not do it prior to sending it to you. That is the document you are looking for now; a recorded Satisfaction of Mortgage, not the 'title'. When it comes to real property the owner has the deed in their name and a title policy from the time of purchase. What you are looking to do is get rid of the lien that the lender has on the property. That is what the recorded Satisfaction will accomplish.  Ask the title company or real estate attorney to explain this to you so you have a clear understanding.

My suggestion would be to contact all of your Local TV News Stations and send them a copy of your Ripoff Report along with as much information as possible. Put it to the attention of 'Investigative Reporter'.

You can also send copies of your Ripoff Report to FRONTLINE and to Democracy Now! Both of their addresses are available at this site. Just type in 555030 and scroll down to the consumer comment that was posted on August 27, 2012 at Ripoff Report #555030. (The addresses appear at the beginning of that consumer comment.)

Exposing your problem on TV is probably your best bet. Maybe one of the Investigative Reporters will contact you and help you. I am certain that Ocwen does not want to be exposed on TV. Finally, feel free to 'Google' this- 9WANTS TO KNOW STARTS WEEK-LONG PUSH TO HELP HOMEOWNERS, and watch that video and read the related articles on the web.

Good luck to you, and please keep us updated.