how can I refinance to get rid of high 2nd mortgage, with negative equity and a recent bankrupcyFiled bankrupcy a few months ago and we are on a 5 year payment through bankrupcy court. We need to refinance our first and 2nd mortgage to get a much lower payment. Our firts mortgage payment is about $1000. a month. apprx 5% interest. Our 2nd is the one we need to get rid of $800. a month 8% ! Please Help!October 06 2010 - York Township00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.