2nd mortgage in collections

[alex1001]

I had a house foreclose last year, and the 2nd mortgage has started to call me after 5 months. They sent the loan to collections. What are my options? Am I obligated to pay the loan? And why the 2nd and not the first? Should I file for bankruptcy? Please help!

 

[Duranie]

2nd mortgages may still be payable as they probably will not get much or anything if the house forecloses. You might want to see a BK attorney.