I did not reaffirm my 1st or 2nd mortgage when we were granted a BK discharge . 3 years later the bank has still not foreclosed and we are talking with them about moving back into the house and modifying the loan ; however I have several judgments from a past business that total about $ 150 , 000 that were included in the BK . The home has been vacant for over 3 years and has been vandalized . At this point probably worth $ 120 , 000 , my 1st is $ 240 , 000 , my 2nd is $ 80 , 0000 . I am trying to negotiate with the 1st and 2nd to come to a settlement amount to release their liens , but need to know if I can get the judgment liens removed this late after the BK discharge ? Or should I try to settle for pennies on the $ ? I'll have to put about $ 20S in the home just to live there .