OCWEN bought the debt and now reports my payment as late every month. I requested a deed in lieu 1 year prior to the aquisition. No payments or contact have been made since 2009. Both the charge off from Litton and monthly late payments by OCWEN are showing on my credit report. Is this legal.
Did you default on your obligations under the mortgage by not paying the money you owed? I understand that you wanted to negotiate a deed in lieu, but there is likely no contractual language that requires the mortgagee (the lender/bank) to accept your offer. If you did not pay on your debt, of course they are going to report this to the credit reporting companies and eventually offload the debt to a debt collector. This should not be a surprising turn of events. Now....did the mortgagee treat you unfairly? Perhaps, but you haven't given us many facts to think that they are at fault in any way.
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