our bankruptcy was discharged in 11/09 we have a first and [url=http://www.mortgagefit.com/second-mortgage.html]second mortgage[/url]. our first mortgage balance is more than the value of the house our first mortgage was reaffirmed in our bankruptcy. our second mortgage was not and was discharged in the bankruptcy. we have not made a payment to our second mortgage for 3 months now and they are threating to foreclose on our house. they hold a lien on our house so what rights do they have?