My husband was deeply in debt prior to us getting married, and took out a 2nd mortgage on the home we own. We are both on the 1st mortgage, and that is current after a hellish loan modification process with WF. 2nd originated with Countrywide and was sold to BoA and now is being sold again, hubby is the sole borrower on it. We tried to get BoA to modify the 2nd, but they refused. Waiting on the info for who ever BoA sold the 2nd to, but in case they also refuse to work with us, I'm exploring other options.