A little more information is required to be able to advise you on this matter. IF, assuming your old second is still the same one that was discharged, then they are precluded from collections unless you reaffirmed that debt in the bankruptcy case. AND, your statement that the second won't refinance because of the First's lien doesn't make sense because the First always has priority over a second, hence the names First and Second.
Answered on Feb 13th, 2017 at 8:50 AM