Hello all. I posted this under Loan Modification, but this is probably the more accurte forum. As I posted earlier, I was approved for a HAMP trial through WF about two weeks ago. I just made my first trial payment a week early so there is no late issues. I'm wondering if my second will have any bearing on a permanent mod. A few days before my acceptance into the trial HAMP, the HPS asked me if I had a second. I said my second has been charged off. He then asked if we plan to settle or make payments. I told him my decision will be based on if I get a permanent HAMP mod. The HPS said "sounds good" and nothing further on the issue. My second charged off last November. I was three days after that conversation with the HPS that I got the HAMP acceptance phone call. I've already negotiated a settlement on my second and will actually make my one time settlement payment next week (17%). Anyone in my shoes or knows the rules regarding second liens regarding HAMP?