Yesterday I called Veripro and was able to reach a settlement of 5k on a 67k 2nd mortgage. Today the same lady called me back and said she made a mistake and that they cannot do 5k but need 20k. She informed me my home is worth 165k and I currently owe 155,500. Will they foreclose? Should I try to conteroffer 8k? This is upsetting that they said the 5k was approved and now today call me saying they made a mistake????