Hi PMT1022m,
Welcome to the forum and thank you for joining......
You do not have to be late to obtain a modification from Ocwen..if you go to the Success Section of the forum you will see the Ocwen success stories......each lender is listed in the thread titles........but you should try to show a surplus of $100-$250 left at the end of the month........also before you submit the financials go over them with Ocwen just be sure, as most lenders will only go up to a certain amount for credit card debt and that could throw the financials off..........
Call the Early Intervention Dept. to see if you can get started on the modification........
Early Intervention Dept.
1-800-446-2936
Put your hardship letter into the body of an email and send it to the email address below:
ombudsmanweb@ocwen.com