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Our house was foreclosed on in 2010 but we are still being persued for payment of the second mortgage. We took out the loan at the same time as the first mortgage so we would not have a jumbo loan.The house is gone and second mtg is $33,000. A collections agency keeps calling and I don't know how to handle the situaton. I want to start reparing my credit. Do I need to get a lawyer to contact the debt collector? Can I contact the original lender still and try to cut a deal on a lower amount or is it too late? will it ever go off my credit history if I do not pay it off? just don't know how to find these answers! Thank you.