ops: My husband and I filed Chapter 13 a year ago. We were very confused in which we thought our second mortgage was included in the items we were not to pay. In fact, we just found out that the 2nd mortgage company has notified the bankruptcy lawyer that we are now 9 mos past due. Not only that, but by the amt overdue, they also had changed our monthly amt to half of what it was origanally was. We had never received a notice or call from the 2nd mtg holder, so I contacted them when my lawyer's office told me this. They told me that the account had been sold to a collection agency and the status is charged off. I have researched this term and I am getting mixed information. Some say not to pay it and insist in writing for validity of this debt. Others say to negotiate payoff. Others still say call immediately and start payments. I am talking of a debt that was origanally $10,000 and now, with interest, late payment charges, etc....who knows what the debt amount is! How should I approach this and what are my legal responsabilities. Bankruptcy did not do us much good and we are behind on bills again, so I really am in no position to put out any large sum of money, in fact, payments would be real tough to handle considering our current financial position. What do you suggest we do?

