options on getting rid of my second mtg?My husband & I went through BK (did not file together 2 yrs apart) we did not reaffirm on our 1st or 2nd mtg. We have been paying both on time every month until just recently. we are current on our 1st but we did not pay the second in March or April. Our house value from just 2.5 yrs ago has dropped approx.75k. I contacted the 2nd mtg company 2 days ago to let them know we are having trouble and noticed today that they hit our credit and our scores dropped 75 pts.(the loan was not on our credit report until 2 days ago) we would like to get out of this by either a refi to combine the 2 or to make a buyout offer. the 2nd mtg company said to fill out the docs needed for a mod and within 60 days will find out IF we could get it. Can anyone tell me what our options might be or who/where I can go for info? We are still current on our 1st . my 2nd is a high rate 8.5% with a balloon after 15 yrs. 1st mtg was for 172K (due 169K- 2nd 57k due 56K) (FYI we are having trouble because of loss of income dut to disability)April 27 2010 - Joliet00YesReport 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.