[CHELIFAN24 THE CUP IS HOME!!!!!!]

We have 2 mortgages- we are current on the first, but behind on our second. We have NO equity in the house- we owe 133000 on the first and 44000 on the second. We are almost 3 months behind on the second- we have tried to talk to the second (the first is with National City, the second is with Ditech) but they will not work with us. What can we do? Can we file a hardship for the second? We have declared bankruptcy back in 2005- and the second was included in that bankruptcy- we were paying on it- but my husband fell ill and was in the hopsital for 10 days- he is ok now and back to work- and we are current with everything but the second. When you look at our credit reports- the second mortgage does not even show that we owe anythign to them. I dont know what to do.We have contacted the second mortgage to try to work something out- but they will not work with us. They want us to come up with the what we owe that is behind- which we cannot. We have spoken with the first mortgage- and they said the second could not foreclose on us- our house right now is worth between 60,000 and 70,000 right now (Michigan) if that. We want to work something out- I dont understand why the second will rejuect any payments that we can make right now- we have tried! If our second is re-secured- then why does it not show up on our credit report? I dont think our bankruptcy attorney is around anymore- his office closed a few years ago- we filed in 2005.Wehave not gotten any phone calls from ditech- just one letter. Nothing else. Do we keep callingthem- what do we do? We both work full time, and we can make our payments again- we just cant come up with the $2000 or so that we are behind

[Stu]

If your second was included in your bankruptcy, ask your attorney. He/She may be able to help, and he should have all the contacts with the lender. It's a good bet they will work with you if you can get to talk to the right person.

[mar c]

time for you and hubby to cut down expenses in a huge way and both of you need to get another job or two....not that complicated....behind on bills=need to make more money