I am current on my 1st mortgage. Even though I have not paid 2nd mortgage for 6 years, RTR keeps putting recent delinquency on my credit report. I have never had contact of any kind with this debt collector. Should I try to settle this myself, or do I need attorney? And what percentage should I offer. Amount is $15000. I know this is small amount but I am retired have fixed income and this would be a struggle. Thanks for your help!