Hi. I have a 1st & 2nd mortgage with the same mortgage company. I have a bankruptcy that has discharged over 10 years ago. I’ve always paid both on time all the time. Our financial situation has changed with the pandemic and I’m struggling to keep paying the 2nd. I wrote in 3 times about asking for a settlement for the 2nd mortgage. I’ve gotten back letters stating that I’m in a bankruptcy. I’m not it’s been discharged over 10 years. It’s as if they don’t want to settle with me because I have discharged bankruptcy. I still have not missed a payment but will not be able to make this months payment on the 2nd and going forward. I will be able to maintain my 1st mortgage that I have with them. If I stop paying the 2nd mortgage and keep paying the 1st are they able to foreclose on me? I don’t want to lose my home.