I think they will attempt to collect the "silent second" when they have cause to "collect on the first" (they are holding both) ... such as sale of property, refinance or foreclosure. Yet, in most cases, with no payment for 5, 7, 10, 15 years, they are beyond the Statute of limitations, especially when you have NOT made a payment and they have NOT made a demand for it. (legally or otherwise) It's a bit devious if you ask me. They mislead you when the issue comes up. They've already lost legal rights to the claim. There have been investor lawsuits over the servicer holding these unresolved seconds in order to assess fees on it and profit off the cough, maintenance fees they get. At this point, the only thing left is to be proactive with a quiet title (on the 2nd) so you can move on with your finances and disregard any collections attempts or interference at this late date. Just google your State's UCC (business law/Note/contract section) on it for SOL. It's in there. It is often NOT indefinite. But they (OC and friends) don't have to volunteer it and they will piggyback a claim from the first.