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I have a mortgage with Ocwen...balance of 55k, interest rate is 7%, monthly PITI payment $630, property worth as is about 40k. I stopped paying in hopes of getting a modification. But they called me to offer a settlement of 14k. So if I can come up with 14k cash by Jan. 24, 2016 I can own the property free and clear. What's going on with Ocwen? Is this too good to be true?