Probably a dumb question....but

[faroff]

Long story short.............I filed for BK back in 2010, Trustee filed an AP, in order to get AP dismissed had to agree
not to pursue discharge. Therefore no discharge. Most of the debts I had are falling off due to SOL.

However I do have my primary house which I was able to work out a modification. The mortgage company is in of course
first position. I'm current on payments and all is well. Except I just received my new homeowners insurance statement and
premium is paid by Mortgagee. But, on the statement it still list a 2nd and a 3rd Mortgagees. I have not received any statements
or anything from either of these Mortgagees since 2008/2009. Now, and please excuse my ignorance, I don't want to contact
them of course, but will these 2 others remain always on my property? If there's nothing from them from here on out would they
possibly fall off??

Can they still possibly look to foreclose? Am I forever saddled with these two other Mortgagees attached to my home?

[LadyInTheRed]

The 2nd and 3rd mortgages will remain as liens unless you pay them off. The holders of those mortgages can foreclose and are entitled to be named as insured on your homeowners policy.

[faroff]

The 2nd and 3rd mortgages will remain as liens unless you pay them off. The holders of those mortgages can foreclose and are entitled to be named as insured on your homeowners policy.

I understand that, but why have they not reached out to me as of now to attempt to collect? It's a Catch 22, if I reach out to them I open
a chance to get them to consider a possible foreclosure. So IF I decide to possibly sell my home in say 20 years,I'm in my 50's, then these liens are
just lingering on there? What could I possibly owe them if I never hear anything more from them?

[TheBajan]

You still owe them whatever is due regardless of whether they contact you or not. Unless they zero out the debt, it's still there and they still hold a lein on the property. So yes, if you decide to sell (even 20 years from now) you will have to square up with them. Being in second and third positions, they don't have any recourse right now. That recourse is available once you try to sell the house.

[LadyInTheRed]

You still owe them whatever is due regardless of whether they contact you or not. Unless they zero out the debt, it's still there and they still hold a lein on the property. So yes, if you decide to sell (even 20 years from now) you will have to square up with them. Being in second and third positions, they don't have any recourse right now. That recourse is available once you try to sell the house.

They can foreclose. They just have to pay off the first before they get a penny. So there has to be some equity to make it worth the trouble.

[mynameainttracy]

I'm curious about how the 2nd and 3rd show up on your credit reports.