I had a home foreclosed on in 2008 in Pennsylvania. It was an 80/20 mortgage. Both loans were used to purchase the house. The second mortgage was not a HELOC or anything it was strictly to purchase the home I lived in. After the foreclosure there was no deficiency judgment awarded to the bank nor did the bank try to get one. Now I have a second mortgage debt (unsecured) listed on my credit report for the second mortgage. Since the bank did not try to get a deficiency judgment and their 6 months is up can they legally sue me for the second mortgage? The bank has not contacted me once nor notified me of the debt and it has been 3 years. Please help. Also the 4 year sol is up as of this month.