I've abtained the official public record dated 12/10/2008 Certificate of Title 1st Party Clerk of Circuit Court 2nd Party HSBC Bnk USA / 1st Party HSBC Bnk 2nd Party Clerk of Circuit Court. So the bank that had th first Mortgage bought the property back ? $ 170,00 shown 0 balance owed on my credit report. Second mortgae EMC mortgage had nothing to do with the courts or the transaction still shows i owe for the second loan 20% 43,00.... how do I clear this up if both banks were dealt with in the same fashion but EMC never responded or cooperated. How could the property be sold without both banj\ks being invovled? Do I contact all three Credit Report Companies? I'm terminally ill, and I really would like this cleared up quickly! I thought I did my part fairly to clear up the prolblem without going into forclosure. What is my next step......