Business is slow... Ocwen does not seem to care

We called Ocwen as soon as we realized we were going to be 30 days late on the mortgage.we explained to them that business was slow,medical bills due to the fact nobody will cover our daughter born with clubfeet,work truck repairs and back in july my husband had a appendectomy and was off work for 3 weeks with no pay .so all these things put us in a whole.they said there was nothing they could do and told us to pay the 3600.00 under forbearance or pay 8000.00 to get out of forbearance.ocwen has been marking us 30 days late every other month we found this out when we tried to refinance we have not been late and have always paid our mortgage on time until we got with this company and they screwed us over.its hard paying these medical bills and having truck repairs all the time due to the fact that my husband is a driver and trying to keep up with a 4000.00 mortgage due to the arm loan forbearance is 3600.00 and our equity loan is 414.it seems like every time we think we are going to get caught up something happens and ocwen won't do anything.we don't want to lose our home we have 4 children and love our home.ocwen made it so we can't get out of forbearance and has yet to send us a copy of this agreement.