We refinanced through HARP (or HAMP - not entirely sure which) in 2012. Our 1st was through B of A (originally Countrywide). At the time both my husband and I had lost our jobs and we were able to get a 100K principal reduction, also. At the time we purchased our home in 2006, we took out a second mortgage (or HELOC) to build a pool and pay off debt. The total loan amount was 70K. By 2012 when we stopped paying on it the balance was 45K. We contacted our second mortgage holder, River City Bank, and told them we were modifying our first loan and were unable to pay the second and asked to modify or reduce that also. They said they would get back to me and then I got a notice that it was written off. In 2017 it reappeared as two different accounts on our credit report. One as a charge off (owing 0) and one as owing over 90K. We disputed it and it has been removed but there is still a lien on the property for over 90K. Our home is now worth about 375K and we owe 140K. What are the odds that River City would settle the amount owed on the second for less than 90K? How do I broach the subject with them without reactivating the negative account on my credit report (as my credit is now 800+). Any input is greatly appreciated!