My father-in-law originally had an 80/20 mortgage, with the 20% being a 2nd mortgage to avoid PMI when he bought his home. The 1st and 2nd mortgage were with the same lender Nationpoint. He had a loan modification which covered the 1st mortgage, but somewhere along the years, he never received statements for the 2nd. Just recently he started to get statements from a debt collector which showed he was 3486 days delinquent on his 2nd mortgage. We had tried to obtain a HELOC earlier this year, but had no idea that the 2nd mortgage was still on the title because it had been over 9 years since we heard anything about the 2nd. We have not contacted SLS, who is the debt collection company. Should we be trying to request a release of lien from Nationpoint on the 2nd...if they still have the lien. According to the county records on the title search, the trustee is Rockwood Title and Mortgagee is MERS AS A NOMINEE FOR LENDER NATIONPOINT, A DIV. OF FFFC, AN IP. SUB. OF MLBAND T CO., FSB - DOT. What should be our next step?