OCWEN LOAN SERVICING

OCWEN COMPLAINT:

Submitted:      December 2014

Reported By:     Nogovsupport in Texas

Report Link:   CLICK HERE

I have been having trouble with Ocwen, first not giving me any information when requested about payments mailed in, second regarding insurance I covered my home with after the forced insurance put on me by IndyMac/One West Bank and now after much research I find that they are cohorts with Deutsche Bank National Trust. A company that is big on for losing and reselling for money. How does anyone fight them when our own government allows it. I have searched and searched for a lawyer to take them on. Have yet to find one. Do not trust the law firm of Mackie, Wolf, Zientz and Mann as they have sent me papers representing Ocwen. recoup the thousands of dollars I've lost.

END CONSULTING ADVICE:

First let me apologize on behalf of Ocwen as their unfair and abusive servicing of your mortgage loan violates your consumer rights with their continued refusal to provide information; Ocwen is required to provide to you with requested mortgage loan information, especially regarding escrow, per the FTC, CFPB, RESPA and Dodd-Frank Act (at a minimum) as a mortgage servicer.

I agree with David Humphreys that you should get a payment history but it is no longer necessary to send documentation via certified mail as Ocwen, as well as most if not all other servicers, have both a fax and an email that you can submit a request in writing to for immediate response per RESPA and the CFPB (Dodd-Frank Act).  You also do not need an attorney as you can locate and utilize all the tools needed to combat Ocwen via the internet.

It is not too late to fight for your rights but you will have to first get familiar with your consumer rights.  You can learn more about your consumer rights and the responsibilities of Ocwen as a mortgage servicer by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/

We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Bayview, SPS, SLS, Green Tree, Selene, ASC, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.

Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation in an effort to shed light on the abuse and encourage change. With that said, you have overlooked the key aspect to your fight, which is putting the violations and abuse in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated; they have certainly been violated in this case per your posted complaints. 

A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Ocwen that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.

I would be more than happy to educate you as to how to fight for your rights as my firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.

We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com

As mentioned above, you can learn more by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/

In the event you have further questions, you can contact me via email, web or phone (full contact information is below) as I would be more than happy to answer your questions, call Ocwen with you and/or point you in the right direction.

Every new beginning comes from some other beginning's END

Respectfully,

Dana Shafman

Managing Member

END Consulting

(888) 234-7006 Ext 101

Dana@ConsultingEND.com

www.TheDailyComplaint.com

WHY HIRE A PROFESSIONAL TO RESTRUCTURE OR CHALLENGE YOUR DEBT

WHY HIRE A PROFESSIONAL TO RESTRUCTURE OR CHALLENGE YOUR DEBT

Have you been scammed by an attorney or loan modification firm that only took your money?

My phone at END Consulting rings off the hook with homeowners and borrowers that have been passed over by their lender or loan servicer for loan restructuring or debt settlement to include loan modification, short sale, impounded insurance and taxes, and settlement of second mortgages as a result of foreclosure or short sale or unrecoverable market value.  Some of the biggest offenders out there in my personal experiences are Ocwen Loan Servicing, Bank of America, Wells Fargo or ASC, IndyMac or OneWest Bank, Bayview Loan Servicing, Specialized Loan Servicing, Select Portfolio Servicing, Caliber Home Loans...and many more.  The truth is that with the current loan servicing climate, almost ALL homeowners have options for restructuring or settling debt but the reality is that it turns into a full time job and a fierce chess game where strategic positioning is the only key to success, utilizing industry expertise to challenge the debt with nontraditional outside-the-box thinking and solutions.

This strategy is why I have been so successful at challenging, settling and restructuring debt for clients with more than 75 files completed last year and millions of dollars settled or restructured to benefit the homeowner. I have spent the past thirteen months solely focused on working with clients and their creditors to either restructure or settle debt and trust me, it is pretty much the same ridiculousness and runaround on every file.  The process is actually designed to discourage the homeowner from continuing on so that the lender can either hold the borrower to the current predatory and unethical loan or will simply foreclose on the homeowner, which is just sickening!  I actually started helping homeowners back in 2009 and have had tremendous success by utilizing the aforementioned strategy on behalf of violated and/or distressed homeowners and borrowers.  In fact, I have even restructured a multitude of Estates for clients that had lost loved ones since the lenders seem flat out unwilling to modify the debts of those deceased for their beneficiaries, which again is just sickening!

Some absolutely believe that it is not fair that homeowners and borrowers have options but may have to hire a professional to negotiate the deal to obtain the desired results that the government is touting as "free help for homeowners".  While I understand the outrage and fear of being taken advantage of in this situation, I also feel that since this is the largest investment most people will make in their life that it is worth hiring a professional to save the investment.  After all, I am no different than a doctor trying to resolve an unknown health issue for a patient or a lawyer trying to get a client off of a DUI other than that my fees are cheaper and I can boast that I run END Consulting in an ethical manner with honesty and integrity.  I offer a unique suite of services that I have mastered through secondary education, past experiences and industry expertise.  We have all had unfavorable experiences with shady lawyers and questionable doctors as well as other "trusted" professionals so please don't equate corruption with help as there is honest help out there for distressed homeowners.

The point I am desperately trying to make is that hiring a professional is a great thing as long as you hire the right professional.  In fact, I stand by our work here at END Consulting so much so that we solely function as a pay for performance consulting firm where if we do not perform, there is no need to stay on with us as we do not execute long term agreements with clients to further financially obligate them or overburden their financial footing.  Additionally, our fees are flat so there are no surprises or "added fees" unless the clients requests additional services outside of our core competencies where fees are discussed before action is taken.

We take great pride in communicating with our clients to ensure that we can help them prior to any money exchanging hands.  We have also adopted a policy where we contact the lender or servicer at no charge up front to ensure that we have all the appropriate information to determine if the client is a good fit for END Consulting and vice versa.  We take great care to listen to our clients with regards to the desired results to make sure there are no surprises and full transparency through the entire process.  I have built strategic partnerships for END Consulting to include the following professional disciplines:

• FINANCIAL INVESTOR RELATIONS
• MEDIA AND PUBLIC RELATIONS
• JOURNALISM AND LITERATURE
• CONSTRUCTION AND REAL ESTATE
• MORTGAGE AND TITLE
• FINANCIAL PLANNING
• BUSINESS ANALYSIS
• REAL ESTATE LEGAL HELP

I encourage all distressed or frustrated homeowners to contact us to discuss your situation as we never charge a consultation fee to determine if we can assist you in saving your home or restructuring debt.  You will find that our philosophy at END Consulting and manner in which we assist homeowners is both unique and dynamic...give us a call today at (888) 234-7006!

We look forward to putting you on the path to financial freedom...

Dana Leigh Shafman
Managing Member
END Consulting
Toll Free (888) 234-7006
Main (602) 396-5822
Fax (888) 234-7096

WHAT IS A QUALIFIED WRITTEN REQUEST AND WHY IS IT IMPORTANT

WHAT IS A QUALIFIED WRITTEN REQUEST AND WHY IS IT IMPORTANT

Do you know the rights afforded to you as a borrower or credit card holder? You do have rights!

It is always alarming to me to learn that credit is extended to unsuspecting borrowers without even a whisper of the rights of borrowers and credit card holders receiving the credit that further burdens their debt to income ratios and sometimes their livelihood.  The reality is that there are rights afforded to borrowers and credit card holders through RESPA and the FDCPA.

So...what do your rights have to do with a Qualified Written Request (QWR) and how are they related?  The QWR is a tool that can be used to uncover issues that plague both the loan and the mortgage industry like escrow discrepancies, predatory lending, fraud, robo-signing or false affidavits, and more.  The QWR alone does not warrant dynamic negotiation positioning so in order to get results, the borrower must combine persistent aggressiveness with questioning the validity of the debt along with industry oversight.

There are tools and templates all over the internet to assist a borrower in preparing a QWR and where to send it.  END Consulting also has a plethora of regulatory information on the website at www.ConsultingEND.com.  There is absolutely no charge for a consultation or to call the lender/servicer to determine what options exist for the homeowner so please call (888) 234-7006 to get on the path to financial freedom.

We look forward to hearing from you at END Consulting!

Dana


Dana Leigh Shafman
Managing Member
END Consulting
Toll Free (888) 234-7006
Main (602) 396-5822
Fax (888) 234-7096
Dana@ConsultingEND.com  

Put an END to your financial worries with a FREE consultation NOW (888) 234-7006

THE LOAN MODIFICATION GAME IS ALIVE AND WELL

THE LOAN MODIFICATION GAME IS ALIVE AND WELL

Have you been denied for a modification, short sale or workout option?

It never ceases to amaze me that so many people have tried multiple times on their own and with free help but failed to achieve the desired result to avoid or prevent foreclosure.  The phone call usually begins with the caller stating that they had been denied for a loan modification, forbearance, short sale or other workout option because they did not qualify or more commonly, they failed to provide requested documentation.  It is also all too common to learn that the caller lost their home and is feverishly trying to get it back now when it could have all been avoided in the first place by using a strategic and tactical approach to obtaining a workout option (modification, short sale, deed in lieu, cash for keys).

I usually start the loan modification game by challenging the validity of the debt for my clients with a qualified written request to the mortgage company.  Once the debt challenge has begun, I work with the client to prepare and submit all the required documentation at one time to ensure that the submitted package is complete (this is a vital step in the game as failure to successfully submit a complete package can and will prevent achieving workout options).  Once the complete package is successfully submitted, I begin challenging the documentation requests as many are ridiculous and erroneous but the negotiation and challenge must take place to get beyond this stage.  To further persuade the mortgage company to do what the client wants, I then review all the client's documentation to see what can be challenged or identified as "predatory" that I can submit to the regulatory agencies for assistance with workout options.  Again, this is a vital step in moving forward in the process as my experiences have solidified that lenders do not voluntarily want to extend affordable workout options to their borrowers.

By utilizing a complex strategy of document submission, complaints and oversight; I am able to successfully breakthrough the "loan modification game" barriers to persuade lenders to extend workout options to my clients.  By utilizing honesty and integrity, I am able to openly and honestly discuss the workout options available to each client to determine which workout option may be the best fit for their situation even if it is not the most favorable option.

The reality is that most people do not have the time or knowledge to play the loan modification game but still seek the desired results, which is why I have been helping homeowners and borrowers obtain affordable workout solutions including loan modifications, short sales, settlements, and more.  Solutions exist for everyone with burdening or overwhelming debt.

Put an END to your financial worries with a FREE consultation with me NOW by calling (888) 234-7006!
  

Dana Leigh Shafman
Chief Brain
END Consulting
Toll Free (888) 234-7006
Main (602) 881-0802
Dana@ConsultingEND.com