I filed chpt 7 and 1st and 2nd mrtg were discharged and not reaffirmed! A couple of months ago I found out that the second mrtg with Citimortgage is not recorded at my county's registrar of titles, I have not pay them in about 2 years, now debt has been charged-off and with their recovery department...

Hi all, I just wanted to let you know that I successfully settled my 2nd mortgages. I received my chapter 7 discharge in July and contacted my mortgage servicers in August about settling. I filed my chapter 7 in April and was current on all mortgages when I filed. I then stopped paying the seconds...