In October Ocwen said that they would modify my mortgage payments based on my monthly income, so we could keep our home, but I had to be 30 days late to in order for them to even consider it. So I went ahead and didn't make October’s payment. As of today, May 21st, they have not been able to help me. They only adjusted the interested rate. So I have submitted an offer for a short sale, and every time I call to check on the status, they harass me about why I am not keeping the home.
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