hi, after several years of not paying due to a finical hardship I decided to modify my first loan with bank of America and it was successful. And now I would like to settle with my second mortgage Citibank. I called them to know who my mortgage is with now. after many transfers, they sent me to Citibank recovery and told me the case is with a debt collecting lawyer. they even provided me the number of the lawyer. does that mean my mortgage is still with Citibank? how do I settle? whats my next step?