An Ocwen Loan Servicing representative just called me about a client of mine who has recently filed a chapter 13. You need to know that having conversations with these people are very difficult. They are cagey people who parse their words. It appears to me they intentionally make statements which can be easily be misinterpreted, misleading, misunderstood and are self-serving. If they try to do this to me I can only imagine how difficult it is for a person who is behind on their mortgage and asking them for help.
To my mind, she clearly misrepresented what I told her. They are out for the bank’s own interest and had every intention of by-passing me to get to my client. I was not going to let that happen. Bankruptcy law prohibits a creditor (Ocwen or any creditor) from making direct contact. This is intended to protect the client, give them some breathing space and establishes a time and process to construct a fresh start for the homeowner.
I recently had a client come to me who had a mortgage repayment plan for 22 months. He made all the payments. At the end of the process, the reinstatement letter that was issued 22 months earlier and said his account would be brought current at the end of the 22 months did not happen. When you added up the actual payments per the letter, he was still 2 months behind on his mortgage. Then, they insisted he was behind 3 months and he thought he was current because he made every payment per the reinstatement letter! What a mess. I worked through this to get him a good deal.
You need to be careful. I do not recommend you represent yourself under difficult financial stress. Use an attorney. Do not use a person or company that says they settle debt. Yes there is a cost for professional guidance and assistance but not nearly what you think. Do not be penny wise and pound foolish. You are dealing with intentionally crazy people who hold most of the cards. Protect yourself at all times. If you proceed on your own, good luck; you are going to need it.