Need help dealing with Ocwen

[Joel Fraser]

I am trying to obtain a loan modification with Ocwen. I called Ocwen and emailed them many times for months now although I still havent gotten any where. Many times they stated they didnt get my docs, I faxed them now a total of four times. The second time they told me I could afford my payment and an increase of about $300 dollars, so I reviewed my financial worksheet adding every bill I pay and according to my figures I dont really have any surplus. Because, I charge alot of my bills currently just to try to stay afloat with all items/bills rising. Although, I was told I dont qualify because I have $5 dollars a month to spare. They told be to try again when my loan resets which is in Aug, although i was told the payment will change Oct 1st. I have a 3/1 interest only ARM with Ocwen. They told me to try for a modification once the loan resets, however once the loan resets I wont be able to afford the payment. Has any one had luck dealing with Ocwen recently. Any advice of what I can do next. I was more less told many times that they cant help me because I havent missed a payment. I dont want to lose my home, althought not sure what to do next. I have allready tried to email the people listed on this site for Ocwen, although still got no where.