Ocwen Financial Corp

Ocwen Financial is responsible for 45 percent of all the successful loan modifications in the country. Wow, 45 percent. If I hadn't almost flunked math, I'd think that was almost half.

My wife and I have been involved in negotiations with our loan servicer for over a year now. It seems that the deck, as Arianna points out, is most certainly stacked against us

Freddie Mac introduced a loan modification pilot program, but it outsourced the job to a subprime loan servicer with a history of customer dissatisfaction and run-ins with the federal government.