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House was foreclosed in FL and 2nd mortgage listed as "charged off as bad debt/profit and loss write off by original creditor, can they still collect on debt? Has been bouncing around from 3rd party collectors for 2+years, but we have no money to pay. Struggling to make it pay day to pay day, robbing Peter to pay Paul. Have been offered 10cents on $ to settle. Sounds good but still don't have $. Is there time limitation they can collect? Only thing in our name is a car and we are still paying on it. In future, some family land in another state is to be handed down to me,can they touch that?