Good day Sir or Madam : First let me say that I am at work and I do not have access to my account or mortgage Number. 

I am writing you because I wish to ask you please help my wife and I keep our home. We do not believe our story has been communicated to you correctly. Our attorney XXXX XXXX has tried to help us but we feel he is being pressured by a larger entity. 

I want simply to be treated fairly. My wife and I have lived in our residence for 19 years. I am a Veteran of the cold war error. My wife has been teaching for 30 years and is ready to semi retire. We have maintained our property @ XXXX XXXX XXXX in XXXX XXXX and added ( new windows, furnace, Hot water tanks and roof ) We even replaced our entire dining room 2 years ago with our own money due to water damage. We have been unable to cash an XXXX dollar insurance check because the lender refuses to endorse the check. 

We are victims of the housing crisis but we are being treated like criminals. We refinanced our home in XXXX. We were told our home was worth XXXX + XXXX dollars. At the time interest rates were high. We excepted a XXXX rate and were told that if we made all payments on time for 2 years we could refinance for a lower rate. 

When we attempted to refinance in XXXX we were laughed at by the mortgage company. We had the house re- appraised and found it was only worth XXXX. I went back to XXXX and requested the initial appraisal. I was told they did not have it. 

So we were stuck we could not refinance because we were upside down. Owing the then Mortgage company Litton more than what the property was worth. 

In XXXX we were hit by the down turn in the economy and I lost XXXX XXXX of my income almost overnight. 
I contacted Litton and requested assistance. They in turn had me fill out modification paperwork. We were accepted and made 3 payments of XXXX for the trail modification. But when we received the paperwork for the actual modification the payment ballooned to XXXX  monthly. This was not what we had agreed on and I did not sign the modification. 

After that we began to use online modification companies and spent approximately XXXX to XXXX XXXX dollars, bowring from our retirement funds. We were told to pay down bills to make our situation look better by the Modification companies. 

I really thought we were doing the correct thing. We knew we owed the money and thought these companies were on our side. I no better now. At least 3 times we paid a retainer for their lawyer 's and all three times we were informed that Litton Loan rejected us because we made to much money. The last rejection was in XXXX. After that we heard nothing from Litton loan. No phone calls nothing. We assumed we were in foreclosure being served in XXXX. So we waited to hear something. 

In XXXX our loan was purchased by Ocwen and now I find out that XXXX XXXX also owns a part of the note. We hired an attorney ( XXXX XXXX XXXX to hopefully help us get a resolution to this issue. 2 times we filled out modification paperwork and 2 times we received no response. We had meeting after meeting with our attorney. Each time XXXX XXXX would call the bank the lawyer representing Ocwen and each time he was told nothing has been done. 

In XXXX we received paperwork that we were being sued by XXXX XXXX. Caught us by surprise. We had no Idea who XXXX XXXX was. There was a slight problem with the paperwork. My son XXXX was mentioned on a number of pages. We immediately called our attorney and ask why this was so. He of course had no idea. 

We then received a modification notice from Ocwen. And we were unwilling to sign it. We thought our son would be hurt financially so we refused. But Ocwen sent out a notice that we missed payments and actually charged us for something we never agreed to. 

We were offered yet another Modification that no intelligent person would sign. They wanted the balance of the loan + XXXX 

Again I never disputed that we owed the money. My issue is that My wife and I are being unjustifiably sued by an entity that after 9 years could not foreclose on us. We in good faith tried to solve the issue. They have stalled and failed to do anything. 

Now we are placed in a spot where we owe XXXX for a home that at best is worth XXXX I am not a lawyer, But it was explained to me that NYS statue of limitations gives the bank or mortgage company 6 years to foreclose. remember this started in XXXX. By my count that is more then 6 years. 

I 'm not sure you can do anything. We would just want to live our lives out in the home our children grew up in. If there is anything you can do for us we would be grateful. 



Thank you XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX