I have a home in St. Petersburg that is currently in foreclosure. Ocwen is my loan servicer. When I first began to fall behind in my mortgage I attempted to contact Ocwen. I was met with hold times that amounted to hours. I have been on hold and the company has closed for the day. When you leave a message and ask to be called at a certain time and number, they call your home with a voice activated message asking that you call them back. Emailing them doesn't work either, all you receive is a form reply. I finally took off from work in September to endure the wait. After 3 hours I was on the line with a live rep. I asked for a loan modification that would place the past due payments at the end of my loan. They flat out refused to discuss this option. Instead I was offered a forbearance that required a payment of $2700, and then 12 monthly payments of $1580,$350 more than my regular mortgage. When I received the contract I realized that the increase was a forced escrow account for taxes and insurance. I stopped doing escrow about 5 years ago when I refinanced with a sub-prime mortgage company I have paid my taxes and Insurance on my home for the last 5 of the 13 years I have been here. I took another day off from work to speak with someone. The rep told me that they were forcing the escrow because I was behind on payments, I argued that my taxes and insurance were paid, he said it didn't matter. So how am I to catch-up on my back payments? That's up to you, you can send extra money on top of the $350. This was crazy. I questioned how this was to help me, and the rep said the forebearance would stop the foreclosure for up to an year. When asked what happens after the year, I was advised they would proceed with the foreclosure. This made no sense. Then as a scare tactic (I guess) on the day the payment and contract were due, I was served with the foreclosure. For the last month I have tried to enlist the help of Hope Now but they are a joke. I received a letter from them saying they could help. I call the number and it is to Ocwen. I get the real number for Hope Now and end up talking to a counselor for NovaDebt. She is useless. Again I spend time on the phone with her trying to reach Ocwen. She says she will email them, they email back that they tried to contact me and left a messge and for me to call them, which is a lie. The rep is of no help. She says she would get a supervisor involved and call me back. It has been a week since she said this and I am still waiting.