.when we filed our chapter 13 wage-earners bankruptcy, we had a list of 33 creditors. we actually ended up paying only thirteen. at the time of filing we owned two real-estate properties, one rental and one residential. on the list of creditors our properties listed as claims 1, the residential property, claim 2 as the arreages, claim 3 as the rental property and claim 4 as the arreages of rental property. there was on the list a claim 5, with the name of national city's attorneys, and there was no amount only a "notice only". no payments were ever made because no proof of claim was ever filed. at the time of confirmation we had paid 11,200. dollars into the plan, shortly after confirmation the deductions began from employment. thirteen months after filing and ten months after confirmation, national city went to court to lift the stay citing a default. they stated we had defaulted because we failed to pay June's payment. they filed this in July. we cured the arreages yet they still foreclosed on the property. we had not missed any payments, but we still cured the alledged default. in December of 2004, national city filed a paper in court and I quote" national city bank, does hereby assign and transfer to ocwen federal bank, fsb its claim #5, account #33756180 of $8,673.51. as filed on march 26, 2003 against the debtor in the above referenced case. national city bank, specifically waives further notice of any matters in connection with the above referenced claim including any notice pursuant to Bankruptcy Rule 3001(e) (2) of the Code." seventeen days later the trustees office begin making payments to ocwen. and continues throughout the bankruptcy. in November of 2005 national city once again petitions the court to lift the stay citing a material default. once again our attorney agreed with them, the same as in the first incidence stating we were behind and had to pay 6.000.00 to catch up. well at this point I filed an objection, then national city withdrew. A year later national city did the same thing, again I objected and again national city withdrew its motion. two years later national city went to court again for the same thing, but this time they withdrew their own motion. In august of 2012, I wrote to ocwen asking when and how they acquired our loan, they sent a paper saying they acquired it in November of 2004. I later asked for a payment history, which showed their purchase from them of 139.000 dollars in September of 2004, three months before the transfer of the claim. ocwen also sent us paper work stating we owed them thirteen thousand dollars in back pay on the foreclosed rental property. we told them we did not own that property that national city foreclosed on that property. I wrote national city for documentation of their transfer of our property and a payment-history, national city did not respond, bank of America responded and stated they transferred our loan to ocwen federal bank in may of 2004. they transferred both loans, our rental and our residential properties to ocwen in 2004, two months before national city filed their first motion to lift stay citing a default that did not exist. our loan was serviced by Altegra credit company, that is who our payments went to and that is the servicer the trustee's office continued to send our payments to. After writing ocwen and asking for copies of the documentation transferring our mortgage payment to them they begin to send us paperwork telling us we were $13,000 dollaars behind in escrow, and starting in January we would have to pay $2,659.00 per month, an increase of $1,400.00. we asked for proof of this increase and this debt,we have not received it. we expect a lawsuit for foreclosure any day. after looking through the bankruptcy files, the payments were not deducted for escrow, although according to the debtors financial report we filled out it was to be paid, because it was listed as included in the payments. I am not willing to pay for a modification of 2,659.00 amonth. we never missed any payments. I feel that for one reason or another national city and now ocwen has consistently tried to take our home. I believe that only a partial claim was transferred to ocwen. the amount of the transfer as stated by national city was only $8,673.51., the claim #5 had no amount, so the amount listed is the same amount as our arreages on our residence at the time of filing. there is nothing that in the courts dockets where our mortgage was ever transferred to ocwen federal bank. this was transferred to Ocwen Federal Bank, fsb, not to ocwen loan service, ng. Ocwen federalBank shut down in 2005 that's when the loan started being servicd by ocwen LLC in Florida. I hope I make sense. I am convinced that the problem started in bankruptcy. I do not believe this mortgage was transferred to ocwen and that is why national city continued to petition the court three times to lift stay and then witdrew when I objected. can a claim be partially transferred and not the full amount. thank-you
I can await an answer until later tomorrow. I am also retiring for the night.
I found your web site by accident. how do I log back on. I don't know that much about computers as yet.i will leave your page on. have a good-night. I certainly need whatever advice you give me. I am retired and I cannot afford an attorney.Thank-you and have a good night. check with you later.how do I know that my credit card is secure with you. I don't give out such information on line I have had problems before.
I found your web site by accident. how do I log back on. I don't know that much about computers as yet.i will leave your page on. have a good-night. I certainly need whatever advice you give me. I am retired and I cannot afford an attorney.Thank-you and have a good night. check with you later.how do I know that my credit card is secure with you. I don't give out such information on line I have had problems before. also I never made payments to bank of America, I only made payments to Altegra Credit company, my loan was through national city. I don't know why bank of America would reply to me instead of national city. national city transferred a claim of 8,673. to ocwen federal bank, not ocwen LLc in December 2004, bank of America replied they sold both loans to ocwen in may 2004, ocwens says they received the transfer in November 2004 from national city. however; ocwens payment history shows receipt in September 2004 for payments due may 2004, which payment had already been made by trustees office to national city in may of 2004 because according to the trustees office disbursement to creditors Altegra credit company in Pennsylvania was the servicer of record and had been since we purchased the loan on both houses from national city in 1998. I hope i'm not confusing you too much. i'm just trying to make my issues clear. good night. thank-you again
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).