My name is XXXX XXXX I live in XXXX, Ohio. I am a XXXX XXXX XXXX XXXX man. I am on Social Security. I do the best I can to exist I guess you would say. I had ran up credit card debt XXXX 7 years ago that I could not pay back. My wife and I split up and divorced. Total house hold income went down. I went to an attorney to ask about bankruptcy years ago and he told me that since I was poor he said I would not bother, ca n't get blood out of a turnip he said. So I let it go. As the years past I would get notices from collection agency 's from time to time. I just ignored them like the attorney said. No one ever really pressured me, but felt guilty for not paying, but did not know what to do so I thought since I was probably never going to be able to pay off the debts maybe I should think about bankruptcy again. I was afraid someone might try to put a lien on the house I own. It is all I have to my name mostly. Have lived here 10 years never missed or late on the house payments. I decided to contact XXXX Law out of XXXX. I was first told the same thing by them let it go you are poor. So I let it go. A few weeks later I was called back by another guy from XXXX Law who said they could arrange payments for me so if I still wanted to file they said I could do so. So I said yes lets do it and would be out of debt the legal way once and for all. After 15 months of payments I have now filed. I guess I did not understand bankruptcy laws very well. I thought I could just totally the leave house out of bankruptcy and a person just choose what debts to have dismissed. I found out all debts are included and you choose to continue paying on some like car or house. I was hoping to keep my house. Would not have filed at all had known what I know now. Now is where the problem starts. I use to have GMAC for my mortgage. Mortgage was taken over by Ocwen now for a few years. Since I have filed bankruptcy Ocwen cut off my auto pay on my mortgage. I called and said I would still like to continue with my mortgage and could they just restart the auto withdrawl from checking. Ocwen said I would have to make monthly payments on my own and said they can not do that since I am filing bankruptcy. They said that I would need a reaffirmation agreement with them before they would do that and that my attorney would have to apply to their bankruptcy division and they may or may not approve it. They do not submit XXXX. My attorney said that it is not usally done the way they are stating. Not that I know of course. Now I thought I would go on Ocwens website and check to see if I will be able to pay next months mortgage payment that way. I see I have been cut off of that also. What they are going to do apparently is make it as hard as they can for me to make the payments in hopes I will default on my loan so they do not have to deal with me at all. My guess is that they can collect on an FHA loan if I default and they forclose, then turn around and sell the property since it is worth more then I owe and make out even better??? Maybe I am way off base on this. I have never trusted this company after I saw all the complains on the Internet about them and I tried to get a mortgage adjustment a couple of years ago. I went to a place XXXX and they filled out the paperwork and sent it in to Ocwen and Ocwen said they never got the paperwork and I know they did. I just gave up, was afraid they would try to foreclose on me if I riled them up. So I gave up. My question is, why does this company get to exsist? XXXX website has over XXXX complaints alone. XXXX attorney on XXXX website said California was wanting to not allow them in the state. I guess XXXX State had some kind of problem with this company in the past.