Long story short... I had a HELOC with EMC Mortgage when I went through a bankruptcy in 2007. Although I had attempted to reaffirm the debt, it was included in the bankruptcy. I am in Oklahoma, so that doesn't mean the debt just goes away. Anyway, fast forward.. I made payments over the next few years.. stopped making them mid-last year. I have found out that in November 2011, Chase (who got all the loans from EMC) charged off the HELOC. I put my house on the market in April 2012, which is when I found out it had been charged off and allegedly sold (to I'm assuming a debt collector). I was told I should get a letter in the mail in the next few weeks that would let me know who I needed to work with over the debt. Since then, my house is now starting the foreclosure process and I am still attempting to sell it. As of today, NO letter has arrived. Chase said they don't own it anymore since it was charged off. They can't tell me who does own the debt either. If I sell, I can't get the lien off the house, as I have NO idea who to even talk to. I owe $76000 on my first and $75000 on my second. House is worth roughly $140000. Help! Anyone else have similar experiences or advise? I have spoken to Chase Recovery (doesn't own it now since it was formerly EMC), Real Time Resolutions (who has no record of my home or me), 20 different depts in Chase and even Professional Recovery Services who also doesn't have my account. Help!