I have an 80/20 mortgage on my house - $209,000 for the 1st, $48,000. I refinanced the 1st through HARP (now paying to Flagstar Bank) last year at 5.8%, but Green Tree denied my application to reduce the interest on the 2nd (currently at 9.375%) even though I was able to prove financial hardship from tax returns due to a payroll reduction. My house's value is now approximately $195,000. After reading the stories on this forum, I've decided that it's time to stop paying the 2nd mortgage with the hopes that I can get Green Tree to reach a settlement with me. I don't want to lose my house- but with no equity in the house and Green Tree unwilling to negotiate the terms of the loan, I am stuck paying an enormous 2nd mortgage without the ability to refinance. I am hoping if I keep up with the 1st and play hard-ball with Green Tree, they will be willing to budge and I can stay put. My concerns are: I live in California. Is it possible that Green Tree can garnish my wages? Also: Given the statistics on my loan & house value, is there a chance I could still be foreclosed on? And lastly: I'd like to discuss my loan documents with a lawyer just to make sure everything is in order. Should I go specifically to a real estate lawyer?