So after 3 years and narrowly missing foreclosure it seems I might be getting a loan modification on my first mortgage. However, I have a second mortgage with Wells Fargo that I haven't paid in 2 years that I would like to re-negotiate. The loan was sent to a collections attorney, but at the beginning of the year they said it was sent back to WF because I was 'unresponsive' or something like that. I have gotten no correspondence from anyone since that time. The home was supposed to be auctioned off in late March but was postponed. My concern is that I have lost my leverage with WF because I want to keep the home and with the mortgage mod may be able to do so. I don't think I can with the original WF loan, though. Any suggestions? I have looked at "Strategy for settling your second" extensively, but have not found my same situation.