Consumer complaint received 2017-03-05
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Condensed description : My wife XXXX and I married in XX/XX/XXXX. XXXX already had XXXX child, whose father was deceased. XXXX had her own XXXX and was doing well. She was making about {$XXXX} annually while I had a salary of about {$XXXX} a year. 
We soon bought a house ( XXXX ), Not long after that, XXXX 's father died. Rather than leave XXXX 's mother living alone on a country road some distance from our house, XXXX and I, in XX/XX/XXXX, bought a two-family house ( XXXX ) just XXXX short blocks from our house. XXXX 's mother and we would be within walking distance of each other. XXXX 's mother would live in the downstairs unit of XXXX and we would rent out the upstairs unit. 
XXXX and I spent some time and money improving the house. Then, unexpectedly and before XXXX 's mother could move in, XXXX 's mother died.. 

With XX/XX/XXXX came the financial crisis, dubbed " The Great Recession. '' XXXX 's XXXX dropped precipitously and we had trouble finding renters for XXXX. XXXX had to close her business. We then had only my salary as income and XXXX mortgages and XXXX children. I applied for a mortgage modification on XXXX, but was turned down. We could find no tenants for XXXX, so it was vacant. Squatters soon moved into each apartment. 
I took the upstairs squatter to housing court to get her ordered out of the house, but the judge believed the lies that she and some tradesmen ( her friends ) told under oath. He ruled that she would be allowed to stay there until she had lived out, in rent, the approximately {$5900.00} that she claimed to have spent on repairs. 

XXXX developed a XXXX medical problem. 
XXXX put XXXX in my name only and then declared bankruptcy. That delayed foreclosure on XXXX for XXXX little while, but in XX/XX/XXXX, we received an eviction order at XXXX. 

I decided to try to get the squatters out of XXXX, so that we, now with XXXX children, would have a place to live after the eviction from XXXX. 
By my paying for a month 's worth of storage space for the XXXX squatter 's furniture and by my physically moving her furniture and other belongings, she agreed to leave the premises. 
That night, the night before our eviction was to take place, I. with help from a few relatives, managed to move our most essential belongings into the lower apartment of XXXX. Much had to be left behind, including appliances and food supplies. 

After our living in XXXX for a few weeks, I managed to get an eviction order for the upstairs squatter. Within two weeks she had moved out, doing only fixable damage in the process. That meant that our family 's space had doubled, so that each child could have a bedroom. 

In XX/XX/XXXX, I applied for a mortgage modification from our mortgage holder, Ocwen. I hoped that Ocwen would rather receive a smaller monthly payment ( than the originally agreed-upon amount ) instead of none ( the amount they were receiving while the squatters were there. I was wrong. I was told that the company " does not do modifications. '' I live in fear of being evicted from this house and can not afford to make needed repairs ( to upstairs hot-water-heating, upstairs space-heating, and roof ) if I am going to have to move soon. 
XXXX 's illness continues.

Company response to consumer: Closed with explanation