My 2nd mortgage was included in my ch 7 BK and the lien was stripped. Yet, a collection agency sent me a letter stating that they represent the mortgage servicer and are attempting to collect the balance owed. The loan is now unsecured and I do not believe that I am personally liable after the ch 7 filling. On what grounds are they trying to collect the debt?I contacted the original loan servicer and they verified that they contacted the collection agency. So, it is real. But, the rep said something odd, "We are no longer the servicer of the loan." I am guessing they sold it on the cheap to some shady collections agency.