I was recently in foreclosure (twice) and during the first round, I received a 1099 (Cancellation of Debt) for my [url=http://www.mortgagefit.com/second-mortgage.html]second mortgage[/url]. I was just recently hit with back taxes for not reporting this. My mistake. However, in looking to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] my home, my lender that charged this off now says that I need to pay this in order to get a clear title. So, am I responsible for both the loan and the taxes?