I was trying to do a short sale on my house in california when the 1st foreclosed on me last month after 1.5 years of trying to get my 1st, 2nd, and realtor on the same page. I just received a bill from a collection agency for the balance on the 2nd with chase for $92,500. I had been working with them on a settlement for the short sale and they said we would have to start settlement over if 1st foreclosed so I was waiting for a call from them to start that. Is there any type of lawyer that can help me with this? Can I still work with Chase or do I have to work with this collections agency? I found this link which kind of gave me some hope.