Friday, August 15, 2014



On 12/10/2013, the Washington Attorney General entered into a Consent Judgment with OCWEN FINANCIAL who owns one of the largest, most abusive Loan Servicers in the nation, OCWEN LOAN SERVICING, LLC. William Erbey is the CEO of OCWEN. The Consent Agreement was intended to stop mortgage foreclosure and loan servicing abuses by OCWEN, and OCWEN agreed to help homeowners with cash payments, modifications, and/or offer principal reductions. Here are some of the allegations in the settlement:

Failed to promptly and accurately apply payments made by borrowers or to maintain accurate account statements.
Charged unauthorized fees for default-related services.
Gave false or misleading information to borrowers on loans that had been transferred from other servicers.
On transferred loans with in-process trial and permanent modifications, deceptively sought to collect payments from consumer under the mortgage's original unmodified terms.
Failed to provide correct and timely information to borrowers seeking information about loss mitigation services, including loan modifications.
Improperly denied loan modification relief to eligible borrowers.
Gave false or misleading reasons for loan modification denials.
Robo-signed affidavits in foreclosure proceedings.
Imposed force-placed insurance when the servicers knew or should have known borrowers had adequate coverage.
Source: Consumer Financial Protection Bureau

Do not hand over your keys to these scumbag OCWEN Loan Servicers and the Seattle Attorneys who represent them, Routh Crabtree Olsen, P.S. (RCO, P.S.) and/or Houser & Allison. OCWEN is a 3rd party debt collector who simply services your mortgage for the true Note Holder. The attorneys representing OCWEN and the Bank Trustee are also 3rd party debt collectors. Your mortgage contract was not with OCWEN or the Bank Trustee, and likely had a completely different originating Lender. Your Note cannot be "Assigned" by "MERS" (See your Deed of Trust for MERS language) or OCWEN LOAN SERVICING as they do not hold or own your mortgage documents. OCWEN has no rights in your property. In this mortgage era where your Note has been bought and sold on the open market an average of 4 - 12 times, no one really knows who owns or holds your NOTE! Lots of copies of Notes are being floated around but ask for proof of the ORIGINAL signed Note! Unless someone pops up with the ORIGINAL wet ink NOTE and says "I hold it", no entity or individual is entitled by law to foreclose on your home and property! For more information about this please read the blog articles in the Nationwide Defense Network website and attorney Jeff Barnes's efforts on behalf of homeowners. You will learn all there is to know to educate yourself about mortgage origination, securitization and foreclosure scam by big banks and loan servicers since about the mid-2000s. You will learn about all of the important foreclosure legal decisions in the country.

Also, see the OCWEN SETTLEMENT AGREEMENT signed around by the 50-state attorney generals and OCWEN at:

If you are experiencing no relief from OCWEN LOAN SERVICING in your problems with its abusive loan servicing tactics or OCWEN's preposterous loan modification efforts (!), contact Attorney General Robert Ferguson or David Huey at the Consumer Complaint portal for the Washington Attorney General's Office website. FILL OUT A COMPLAINT FORM AND TELL THEM YOU WANT THE RELIEF THEY BARGAINED FOR ON YOUR BEHALF IN DECEMBER 2013 WITH OCWEN LOAN SERVICING! YOU WANT TO KEEP YOUR HOME AND BE FREE FROM HARASSMENT BY THESE UNPRINCIPLED FIRMS.