I had to stop paying on my mortgages because I lost my job that I had for 25 years. Our dried up because of what the banks did to to us all with the bad loans so I lost my job. Anyway I could not pay my loans for many months. I got a job but it is a lot less that I was making so I still could not pay my 2nd mortgage but I just got a loan modification with my 1st mortgage holder and they are now happy. In Ohio can a 2nd mortgage holder force a foreclosure if everything is OK with the 1st mortgage holder.