I entered into a Forbearance agreement in 2007 after falling ill. They never increased my payment and each month reported me late and charged me late fees for payments that were made on time. They entered my account into escrow and was suppose to have paid my taxes and insurance. Which they never paid taxes and I got them to pay the insurance one time, but they never paid the taxes. I told my attorney about this to no avail. yet they continue to charge me for escrow, but says my account was "de-escrowed'. During my bankruptcy, they tried to get the protection lifted off of my home so they could foreclose. I had my bankruptcy dismissed and am now in foreclosure. I went through the Hope Now counseling program and my counselor tried to work out a loan modification, but because we were having to deal with someone in India who did not speak good English (which is common for Ocwen to out source their customer service calls), tried to put me back into a forbearance agreement demanding 3200.00 dn. We asked him if he knew what a loan modification was and he tried to say he did but when I asked him to tell me what it was, all he said was this all he could offer at this time was the 3200.00. Because I have been "contractually late for 16 months", despite the fact that 13 of those months I made my payments on time.Now I am looking at my last statement and it shows a "property inspection fee" though it is only 10.00, there has been no one come here to inspect this property. These ppl have ruined my credit and now are taking my home and you can't even speak to an American who can understand you.