My question involves a foreclosure in the State of: NH
The foreclosure on my house took place about a year ago. My credit report shows the second mortgage being "sold or transferred" about 6 months ago. The debt does not show up anywhere else on the credit report and I have not received any statements indicating that I owe money.
A representative from Old Republic has just started calling trying to collect the debt I owe on my second mortgage. The rep says they are a mortgage insurance company and they paid the full value of the second mortgage to the original lender and now they are trying to recoup the money.
What are my legal rights (if any)? Am I liable for the debt? They've offered to settle but the amount is still way more than I can afford to pay. Are there options or any programs available (aside from bankruptcy) to help me with this?
Thanks for your advice!

