We purchased our house in 2005, with Option One mortgage, it was transferred a couple times and when it went to AHMSI they did a modification on the first, and we are current and have been since, but nothing was done with the 2nd. It was sold to real time resolutions back in 2009 or 2010 and we have never made a payment to them. The original 2nd mortgage was just under $100k. We stopped getting phone calls a couple years ago, every once in a while we get a random statement from them showing the balance is $145k now. All of a sudden they are calling us again? Daily from different phone number every day. I asked them to stop calling me and do everything in writing (which I did several years ago as well). I would like to settle with them to get the mortgage off the house any advice? I have about $15k in cash I can pay as a settlement which is about 15% of the original mortgage, any advice? Don't know if there is a statue of limitation? It's been 10 years and we haven't paid them a penny? Is there anything I can do without payment them to get it removed?