I have first and second mortgage on my house. I have kept the first one current, and missed 3 payments on my second. I know the second mortgage co can't forclose on my property because they have to pay off the first morgage co in order to foreclose, I received a letter threatening foreclosure. What happens if I continue to not sending payment .What should I do .I recenltly filed for bankruptsy, my identity been stolen thru the lender , my credit is shot I have nothing more to lose. What happens if I do not pay the second mortgage, What happens if I decided to sell the house in the future, can they try to collect their money.

lots of tangled questions that cannot be answered in a simple post. Really need to contact a good attorney.

the second mortgage company can foreclose but they really only succeed in getting a judgement against you and potentially a different lien on the property. Their rights and claims are still junior to the first mortgage lien. If the property were worth $200,000 and the first mortgage is $10,000 and the second is $100,000 then they might press the case payoff the first and foreclose on the house... All perfectly legal...