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My house foreclosed four years ago. I had a first and second mortgage with the same lender. The house went back to the bank and was sold. All this time has gone by and today I got a debt collection letter for the second mortgage. Can they do this? I thought if one lender held both mortgages and they took back their property they would not come after you. If so, how long are they allowed to do this? This is the first correspondence I've received since the house went into default four years ago.