Product: Mortgage

We have had trouble with this company charging bogus charges to our account to create a number of late charges, every month its the same charges so now they have run up about  XXXX  dollars worth of charges for certified email and property inspections, we have live on this property for 25 years and only owe about  XXXX  dollars on it, this loan company  OCWEN  no has been calling several times a day all week long and several times a day over the weekend, we have recei ved 5 calls from them in 2 days with some person who can hardly speak English, we have  explained our situation to them and we do n't need to try to get a loan modification they harp on it every time they call, then they want us to pay a down payment on a payment program and I explained several times if we are having trouble at  XXXX  dollars a month why would I want to commit to  XXXX  dollars a month sounds like a trap to me. and then this afternoon a person came to the front door and knocked my wife ask if she could help her and she said she wanted to provide some information, my wife asked for identification and this female would not identify herself of what her intent was, she asked her to open the door which at this point in time my wife was on the defensive, this person would not identify herself or what her mission was and all she did at this point was poke and envelope in the screen of the front door and ask is this  XXXX  my wife would not answer, still no identification and she left, when I arrived home I opened the envelope and all that was there was a number to call and still no identification on who we were dealing with, so at this point I called and it was the mortgage company, I ask what the deal was with this person on the line and he informed me that they had sent out a property inspection person, When I asked why got no good answer when I ask who was paying for that I was informed that it would be added to the late charges since they wanted to verify that we were living at this property, and we have had contact with them all month long, We have asked them to stop with the certified letters that it was generating unwanted fees and it would be more beneficial to send them email since we have trouble with the  USPS  properly delivering the mail to out remote location, tonight I learned from this individual that ( there is something wrong with your email address ) I said no there is not I get email every day from that email address, and why tonight is he bringing it up and no one else we had contact with is talking about it. I am sorry that at 60 years of age I will not lie down and let this ( Global company as they call it ) run over me and my wife, by today 's standards we do n't owe much but I will not be harassed anymore by these people I need to know what my options in the mortgage arena are, there have been a lot of violations here to collecting debts, We ask that they let us continue to make our regular payment and a little extra until we get this paid off and I can not get a straight answer as to what their intentions are at this time. Please respond to my email address as soon as possible as I feel the need to secure counsel to protect my interest and my consumer rights at this point. I have attached a copy of the statement we receive from them every month with all the ongoing mail charges and other things.