Foreclosure confusion-OCWEN

[Mike]

We had a loan mod worked out but couldn't afford the down payment. So the house went to the Foreclosure Sale as scheduled for April 1.

We are prepared to move out but are trying to hold out as long as possible so our son can take the state TAKS test at his current school in two weeks.

I called OCWEN to find out if the sale had gone through..was it too late to do the loan mod agreement...they said there was a bid but they could get it recinded (OCWEN said they could recind although Tx only allows it for Tax Foreclosures). OCWEN called back a few days later and said it was not too late to agree to the loan mod agreement and to send in the money.

Meanwhile, we had a realtor stop by during that time period stating that she had been "assigned" the house to sell for the mortgage company and wanted to give us a "cash for keys" deal...but we'd have to give up all rights for any future action against anyone (OCWEN, Huffines, etc.) We told her we were working w/OCWEN..she still comes by and leaves her card but we told her off.

She couldn't provide any proof the house was foreclosed on. Now we get a letter from lawyers that represent HSBC, who is the actual mortgage co (OCWEN is the servicing company) and it basically says that we have to get out...but, if we sign this "Agreed Judgement of Possession", they will NOT file an eviction and we can stay until the end of the month.

If we don't sign, they will file...and when the sheriff delivers the notice, don't worry about going to the court date...??? Also weird was that this "official" letter was addressed only to my husband and/or current occupants...not both of our names like all the legal documents say...

The letter from the lawyer telling us about the foreclosure stated we had 30 days to dispute the charges after receipt of the letter which would have made the actual 30 day deadline April 4th...the foreclosure was on April 1st!! One more thing...we still receive notices of intent to foreclose (and offering to help that not happen) and we get phone calls for overdue payments...just one month's worth are due??? It's like OCWEN didn't get the foreclosure memo....

What is going on? How can I find out if the home was actually foreclosed on? Rumor has it that the community developers have their hand in all aspects of buying a house here...the title company, the mortgage company, the realtors, the foreclosure lawyers...and that basically we are suckered in, get in financial trouble, get foreclosed on...it goes to HUD for a tax deduction on the lost value...then the developers pick it back up and start all over..... Sorry so long!! Thanks