i bought a house in 2007 and my credit was not good so i borrowed money to put on it from my previous employer. they considered it a second ortgage with a promissary note. there were some complications in life the owener died my dad died lost that job. the wife of the owner said not to worry about payment untill she got in touch with me and she needed it. it is now 2013 and i got a judgement in the mail now i need advise. there is more to the story but this is the jist of it