Ocwen Federal Bank
Won't accept short sale
Very long story; will condense. Mortgage secured 12/99 from Bank One. Some time later (2001?), Bank One sold it to Ocwen. Laid off in 10/01 due directly to 9/11. Ten months later, secured another job. Got very behind on payments. Asked Ocwen to work with us on loan modification back in 01-02 ...