My Mother passed away and I have ran into a issue. I have been paying 1st mortgage, I am on the deed and had joint rights of survivorship upon her passing. Well I knew she filed chapter 7 in 2009 after our house went up for foreclosure due to default, as such foreclosure efforts were halted and all debts were discharged. She had always told me the 2nd mortgage was “gone” as I was barely out of high school and didn’t know any thing about anything at that time I completely believed her and never questioned it nor did she receive notification of its existence past bankruptcy to my knowledge. Come to find out that isn’t true because now some servicing company is wanting to foreclose on 2nd deed this coming May. The 2nd mortgage originated from Countrywide now defunct taken over by Bank of America. I found one email she had printed that showed after 2 years after bankruptcy in 2011 negotiations to modify the 1st and 2nd mortgage under Obama’s plan but BofA wouldn’t touch 2nd so it has lingered for now 12 years since default and bankruptcy furthermore 3 times that year in 2011 the home went up for auction at the courthouse and was mysteriously not followed through with. What is any recourse now to tackle this 2nd mortgage? I admit my own naivety in this circumstance and have been talking to a real estate attorney as well as bankruptcy attorney but wanted more feedback or any questions others feel I should ask my attorneys as time is ticking quickly. Also today marks 4 weeks to the day of auction and no notice has been published in the local paper nor is it listed as pre foreclosure on any website.