[OcwenLoanModification]

City: Lawrenceville
State: Georgia
foreclosure help in Georgia
County: Gwinnett
I had a rough year. I finally had gotten a job and started on a home retention program that was working out but I lost my job and was unable to keep the final payment arrangement and now I am facing foreclosure.

How did you fall behind and has your situation changed:
I was separated from my husband and moved from New Jersey to Georgia in April 2007 and was out of work for 4 months. I had no additional income so I lived off credit cards. Once I finally got a job I had to play catch up and instead of getting paid every two weeks I got paid twice a month that was an adjustment and to top it all I drove 80 miles a day back and forth to work. I was paying a lot of money in gas. I was not making enough to get caught up with my payments and other expenses so I fell behind.

I finally got another job that was closer to my home so I paid less in gas and was slowly making progress. I was able to maintain my current home retention payment arrangements with the exception of the last month because I lost my job in August 2008. Unfortunately I lost my job and I am out of work again but I am working diligently towards finding other employment and I have made adjustments in my life separating my needs and my wants in order to save my home.

[John2010]

Hope this helps as many as it has helped my family, We got denied a modification from Ocwen , so we contacted a company called HOPE in south florida, which is a non-profit organization that assisted us through the whole process untill our loan modification was complete, great company and service, they charge nothing to assist you, they were able to assist in lowering our mortgage balance , our monthly payment and our interest rate down to 4.2%, it took about 6 weeks to complete everything. I called 877-968-5337 and got great service hope all goes well with your situation as mine did. good luck