Hopefully this is the right forum, I apologize in advance if it is not.
Here is my situation My first mortgage which originated in 2003 was sold to 3 different companies in 2 years. Each time there was a mess up with the payments not being properly forwarded to the correct company as I did not receive notice of the change until after the normal due dates. This was rectified fairly quickly and easily the first to times, however when the mortgage was sold to Chase it never got resolved. After 3 months they filed for foreclosure (approx. Jan 2005) the foreclosure suit was dropped after some intense arguments with our agent at Chase.
However in April of 2005 Chase charged off the mortgage and refused payment until the account had been reassigned to another department. Needless to say over the course of the last almost 8 years I have received letters from a number of collection agencies regarding payment, however when I have asked them to provide proof that I owe them anything as I was assuming it was some sort of scam since I never received notification of the loan being transferred to anyone else they would stop calling for a number of months. Up until July of 2012 I had been hearing from Real-Time resolutions that offered a number of payoffs ranging from 70-80% of the amount left. As of August 2012 OCwen has apparently taken over the collection account, again will not verify the debt, in fact can rarely get a intelligible answer from their India reps, along with conflicting information, most times stating they have no record of previous contact.
Long story short Ocwen has sent a certified letter to notify me of the potential of foreclosure proceedings, my questions are given that the statute of limitations has easily expired and they have refused to provide proof of the original debt what are my options?
Given my current financial situation I would be unable to pay them more than 5% on $51,000 original debt and the $850 a month they have demanded in monthly payments is also more than I can afford.
I should also mention that when trying to use their online resources I am told that I cannot apply for a loan mod under Hampa or anything else as the debt has been charge off, and all communication has been over the phone, nothing in writing to date. Also I am a Wisconsin resident.
Needless to say in that time period my health has been less than stellar, due in part to bulging discs in my lumbar area which has cost me my job and I have been unable to find work for almost a year.
Any help would be greatly appreciated.