My parents are filling bankruptcy for medical bills that that are unable to pay and received a letter from ocwen stating they need to file for reassurance to keep the house. Now their big problem with ocwen is that they keep sending certified letters to my parents and making them pay for it. Letters state that the have missed a payment or owe them $4000, but they have never missed a payment. They later fount out that they where charging her everytime they send out a letter. Right now they are stuck with Ocwen saying if they want to keep the house they have to pay the $4000. Now none of this seams legal. I could greatly use some help one this. PLEASE.
Hopefully your parents are using an attorney to help them with the bankruptcy proceedings. If they are, it would be improper for another attorney to try and give them advice.
If they don't have attorney then they should immediately contact a bankruptcy attorney about taking over the case for them - - - especially if they are looking at reaffirming the debt on their home (or anything else).
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I hope your parents have a good attorney. Also, I really hope your parents didn't reaffirm the mortgage obligation. In my experience with Ocwen, they have serious servicing problems and are constantly under discipline and executive agency proceedings due to their activities. Your parents should discuss this with their bankruptcy attorney and try to get the mortgage debt discharged in bankruptcy. Also, they should report this activity to the Consumer Financial Protection Bureau (CFPB) for enforcement actions.
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bankruptcy......requires a bankruptcy attorney and certainly some help...(the house must have a mortgage; the mortgage makes the mortgage company a secured and senior creditor....I don't know the law of you state, but yes, they may be able to foreclose.)
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