I have an 80/20 (Indymac/Ocwen) in Georgia. We have been informed that Indymac will be foreclosing our property as of 7/5/11. Ocwen has now sent us a letter with a payoff offer of $7228 and we owe them $46k. They are giving us a deadline of 6/27/11 to take the offer. Why are they making an offer before the foreclosure? I don't have the $7k so I will have to ignore them for now. Any advice would be appreciated.