[GilbertB]

Hi Cruz,

You have a couple of different options. The most important thing is to let your mother know whats going on. Then once you get through this to have a credit attorney work on removing the mortgage lates/short sale/foreclosure. The idea way would be to modify both your 1st and 2nd loans. If you could get a 5.5% on the first and 6.5%. I don't know what your loan amount are but that could help tremindously. The other option is to see about discharging the 2nd through BK. Ofcourse your mother would have to file and you would need to consult a BK attorney in that regard. Good Luck and please keep us posted on your progress.